BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: NJ
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:
To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX  or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was granted a forbearance on my home loan from SLS ( Specialized Loan Servicing ) and a payment was due on XX/XX/XXXX. With all that had occurred during XXXX, I was making an effort to stay ahead of debt, so I made my XXXX payment on XX/XX/XXXX. I signed online to make a payment today for XX/XX/XXXX, and my account stated that I was past due for XXXX. I called them and advised that I had made a payment in XXXX for XXXX and they told me that they had applied it towards my principle amount. There is an option that you select when paying online if it's to be applied towards the principle, and my confirmation clearly states that I did not request it to go towards my principle. Not only is it reporting me to the credit bureaus as delinquent, but they charged me {$150.00} late fee ( for paying early ). I planned to keep my payments current in XXXX to refinance to another mortgage company and I feel that they are sabotaging my effort and charging me additional fees that weren't warranted.

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 2016-03-30
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at all times of the day and night. I repeatedly tell them I am not in the financial position to pay back my student loans but they will not stop harassing me with the same threatening words and of suing. I know as a former student I am fully responsible but I am on a fixed income and can not pay the debts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was visiting XXXX XXXX XXXX, As soon as i was about to purchase park tickets via my XXXX credit card i was offered a promotion if i apply for XXXX XXXX XXXX Card that if i make a online purchase today i would get {$250.00} Credit and {$49.00} Annual Fee waiver for the first year upon spending {$500.00} in next three months I made those purchases and got qualified for the offer and was credited {$250.00} however was charged {$49.00} Annual Fee, i called Customer service and they said they have escalated this issue and will get the fee waived off and send me a letter. 

after weeks i got a letter that we can not waive off this fee as there is no offer like that available, i called again and made them realize that there was so one who gave us misleading advertising offer for sales purpose and got us stuck with this fee at XXXX XXXX, but chase had no answer and told me they cant do any thing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I never lived at this address : XXXX XXXX XXXX # XXXX XXXX, FL XXXX I tried to remove the address from my report but the company refused to remove the incorrect information.

15 usc 1681i

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 2020-08-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 12 XXXX XXXX XXXX XXXX XXXX Have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX Amount : {$83000.00} Bank Response :, we restricted your account and may close it soon the check is pay to my business, and the sender is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have mention to the bank about this check before i open the account, and the check was deposited on XX/XX/22, the fund was all availiable on XX/XX/22. 

The bank have put a hold on the account, I have try to solved this issues with chase, but right now, they mention that, they did received the funds, but they need to talk to the sender, in hard for them to contact this university and now that the chase have taking out my funds and holding itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: World Omni Financial Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, AL on XX/XX/XXXX. When I made the purchase I was told that I would have to use Southeast Toyota Finance to obtain financing or they would have to increase the vehicles price. I was ok with going through Southeast Toyota Financing because we had used them before on another vehicle purchase. But the more I think about it the more it bothers me, my husband and I have good credit and we were given a new car rate of 5.49 % which is high in the lending environment today ( or in XXXX of XXXX ). I feel like if we would have been able to use our credit union or shop other banks we could have received a much lower rate. We were pressured into going with a lender who charged a much higher rate than other lenders. They gave me the reason, when I asked, that due to them not getting very many new cars in they would only uses Toyota finance. This is predatory and unfair to consumers. this has resulted in me paying much more for the vehicle I purchased. The rate was never once told to me during this process, everything was signed electronically and went over very fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: VA
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:
On Saturday, XX/XX/XXXX at XXXX, I received an alert from Experian that a hard inquiry was added to my credit report from XXXX bank in Texas . Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the Experian credit bureau to dispute this hit to my report. Additionally, I contacted XXXX 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.

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 2017-01-31
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of 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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: TX
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 , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations

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 2020-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since 2014 ( account closed ) Capital One continues to report my credit card account as open and continues to charge me interest on a closed account. The account is closed and they continue to keep the minimum payment amount the same even though the balance is decreasing after consistent payments. They refuse to adjust or even report the account as closed. If they account is closed, why am I still charged interest and why isn't the minimum payment due reduced?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Affirm Holdings, Inc
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: Information belongs to someone else

Complaint:
XXXX accounts with Affirm on XX/XX/XXXX and XX/XX/XXXX have been opened using my personal information and now are on my credit report as delinquent. I have contacted Affirm ( XXXX ) and have opened cases with them and I have explained to them that this is fraud and not mine but have gotten no where with them. The charges are for XXXX for a trip to XXXX. I have a passport that will prove that I have never been to XXXX nor anyone that I know has gone there. I have found out that who ever has done this is using a very old e-mail of mine ( XXXX ) that is associated with my XXXX account. I have also opened a fraud alert with XXXX. Please advise what other steps I need to take to get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Direct Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Left a voicemail at my parents house which I do not live at and left all this information. Below is the the transcript left on their voicemail. 

This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I a.m. reaching out to you from direct recovery offer you a chance to resolve your matter here this will be my singular call me the following are your option on your balance of {$1100.00} XXXX 75 % settlement of {$820.00} a 85 % settlement three payments a 90 % settlement and 12 payments of {$82.00} settlements must be set up within the next ___ days please call XXXX again it is important to put a hold on your file I will be able to take your call until 7 PM today XXXX this is _ ____ to collect a debt and any information only be used for that purpose to pay online go to XXXX and click on the _____________________ need your account number and ZIP Code your account number is XXXX and your ZIP Code is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
According to NetSpend 's website : " When you refer a friend who activates their new Netspend Prepaid Card and loads at least {$40.00}, you both get a {$20.00} credit. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. The XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program. '' I have met the foregoing requirements and have not received my {$20.00} credit. I have connected with NetSpend on innumerable occasions whereas they confirmed I am qualified and will receive my bonus credit. I have spoken to several supervisors that requested escalation requests on my behalf. It has been over a month and I have not received my referral bonus of {$20.00} ; when their website says it takes two ( 2 ) business days. This is misleading advertising and a violation pursuant to the federal truth-in-advertising law.

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 2020-12-31
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call XXXX from local branch. ignored call because I didn't know the number and I was at work. They left a voicemail. My then ex boyfriend called me and said the same number had called him and he gave me the name Covington credit and number to call back. I then checked my voicemail. The voicemail said I owed a small personal loan. That I cashed a check from them. To which I said no I didn't I have never talked to you before. Apparently it was a check mailed to my address that if cashed or deposited, automatically opened a loan with their company. First of all how ridiculous is it that no paperwork has been signed by me or anyone in my household but all of a sudden I owe for this loan? I would love to see the signed paperwork from this company for this loan. I repeatedly told them to not call me or my ex boyfriend again. But yet I received a phone call yesterday I didn't answer. And I received a call today I didn't answer. And then they called my ex boyfriend again a few minutes later. Why are they still calling when I have asked them not to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX XXXX XXXX account went late the first time in XXXX XXXX. The account has been paid in full. Therefore, it should not be reporting on my credit report. It is XXXX XXXX. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''

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 2015-07-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a XXXX at XXXX I could not pay XXXX all at once so I called and set up payments of XXXX a month which I have payed since 2012 I have not missed a payment. They send me a statement from XXXX each month showing how much I owe and thanking me for honoring my financial obligation, further stating since these arrangements were made for my convenience we ask you be promt and call if you ca n't. I am promt but they have reported this dept. My account is XXXX I pay this per my agreement and continue to pay each month I would like this removed from my credit report. I would understand if I did not pay the bill but I am paying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief