BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: Resurgent Capital Services L.P.
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:
LVNV is reporting a fraudulent account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I have tried to dispute this account but it keeps getting verified, even though its clearly not mine. I am requesting the removal of this fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: AZ
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:
There are wrong statuses in my report, I have never paid late these accounts   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has done this so many times, I ca n't believe it is legal, I told them, i know it is illegal on personal accounts, but on business accounts, there seems to be no regulations, they even tell me that i can not make it so it does not OD when using my Debit card. XXXX Attached is just one example of how they move things, the XXXX charge was made in XXXX az, the XXXX charges, small, were made in XXXX AZ, a XXXX drive, there was at least 6 hrs difference in the small transactions, I 'm not sure if they did a XXXX fee on their XXXX fee for using a non WF ATM ... ... ... ... They need another investigation as this is just crazy, they also, have for the last couple months, holding my checks up to 7 days, and sense i got past the 30 day mark, they have never held a check, unless there was a real reason, as really large or from XXXX, now they give all kinds of reasons as to why they hold them, in person they just say that its because it is from a different bank, well for the past 2 years that did not make a difference, then online, it will give different reasons, the last one was held, and they put that the endorsement was different, even though it is the same as it has been for 2 years, the one before that they held it saying that the deposits have been different ... ... WHAT!!!

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 2016-11-25
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2021 I was on a recorded line and I was told if I paid the full amount I would receive a deletion letter, I asked more than 5 times on a recorded line and it was never sent. I called back almost every other day to get this, I was hung up on and told they could not give me the recordings. 

Convergent Outsourcing # XXXX was showing on the report here is the information I have on the account Account # XXXX Phone number I called to handle this was 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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX the Bank of America Vice-President of Credit and Resolution, XXXX, California has repeatedly physically threatened us that either we pay the full monthly car loan amount of {$770.00} rather than the {$500.00} which is all we can pay because the novel coronavirus makes it impossible for us as senior citizens of advancing years with very serious health problems indeed or the Bank of America shall take physical action against us! Come to our home " in the middle of the night '' and physically assault us if necessary, that is the implication, if we stand peaceably by our car so that the Bank of America not take it away! A car that we need in order to visit our respective physicians! 

XXXX. and MrsXXXX XXXX XXXX and XXXX XXXX XXXX PS : The CFPB does absolutely nothing to help us despite ten ( 10 ) previously complaints by us about the Bank of America. 

You are apparently a toothless lot or a lot lacking in moral courage to say the least!

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 2015-04-25
Company: RentDebt Automated Collections, LLC
State: MO
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:
My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. 

This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: CA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. MACYS/XXXX Inquired on XX/XX/2020, XXXX  XXXX XXXX Inquired on XXXX XXXX  2020, RESIDENT VERIFY Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2016-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Experian as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Experian has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Experian but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Experian credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which experian has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both mentally and financially.

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 2017-02-03
Company: CHECK INTO CASH INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. 3 payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are Check Into Cash and XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With Check into Cash, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.

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 2021-02-18
Company: DISCOVER BANK
State: CA
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  and Discover. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is Discover Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied for the total discharge due to XXXX. It got approved. But NAVIENT has marked my credit report 90 days late and on the XX/XX/XXXX it will be marked 120 days. My discharge was approved in XX/XX/XXXX. Thanks to NAVIENT. My credit report has DROPPED XXXX POINTS. Plus they are still charging me interest. RIGHT OWN THEY HAVE CHARGED OVER XXXX INTEREST. I have paperwork and emails where my loan was dismissed. This is affecting me buying a house with them continuing marking me late. Please do something. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: College Assist
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..

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 2016-08-22
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This loan was originally opened as a Home equity line of credit.  Under the terms of the loan it has now converted to a second mortgage.  I have no ability to draw down on this loan or take cash out and havnt for several years, per the original loan agreement.  It is a second mortgage with no credit limit, I pay principal and interest and extra principal every month.  This loan appears on the XXXX major credit bureaus as either revolving or credit card debt.  It appears as if my balance is over a credit limit.  This makes me look as i have maxed out all available credit, and in fact am using in excess of XXXX% of available credit.  This drastically impacts my credit scores w the XXXX  major credit bureaus.  I have contacted both the Loan servicer Citibank, and the XXXX major credit bureaus.  Neither will fully assist me in rectifying this, what so ever. This is particularly true of XXXX who militantly lists this as credit card debt.   I need this correctly listed as mortgage or real estate debt and the correct loan term added, removing the notation that this is revolving debt or credit card debt.  This is drastically and negatively affecting my credit scores.

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 2021-02-18
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans are held with University Accounting Service LLC and were serviced through the XXXX  XXXX XXXX XXXX XXXX XXXX. I graduated XXXX in XX/XX/2020 and my payments were scheduled to go to the full principal out-of-school amount in XX/XX/2020, but I am in XXXX  school now and confirmed with them I could continue making interest-only payments ( the in-school mode ) until I graduated XXXX  school. I sent them my enrollment verification on XX/XX/XXXX and receipt was confirmed XX/XX/XXXX. When what was the grace period if I had still been out of school was up they started charging me the full principal amount. I have called four times and they won't fix it. 

I called in XXXX and asked them to fix it and they told me to wait 10-15 days and the change was effect. 

I called on XX/XX/XXXX asking them to fix it and they confirmed my status was " in school '' and to wait 10-15 days to fix it. 

I called on XX/XX/XXXX ( as the change has still not taken effect ) and they gave me the same answer, and she told me she would rush the change so it would take effect before my XXXX payments came out. 

I called on XXXX XXXX after a full principal payment had come out and he said wait 10-15 days and it would be fixed. 

It is XX/XX/XXXX and the full principal amount is scheduled to come out of my account in XXXX. 

My usual in-school interest only payment amount is an average of {$410.00} dollars. I was charged {$930.00} in XXXX, {$1200.00} in XXXX, and {$930.00} in XXXX. 

Last year I had an issue with them where they had not connected a new loan I took out for school to my account so I was charged interest and default charges and had a late payment on my credit report even though the loan was not on my account. They fixed it and the charge cleared off my credit report but I was still charged excess interest for the period I did not have the ability to pay the loan because it was not connected to my account. So this is the second major issue I'm having with them and don't know how else to resolve it.

Company response to consumer: Closed with explanation