BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
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 applied for a XXXX credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On the evening of XX/XX/XXXX, Mid-Atlantic repossessed my vehicle at 47 days past due. I did not receive any written notification, voicemails and only received 1 email in regards to this issue. My vehicle was purchased in XXXX, from a buy here-pay here dealer ; however, my loan was sold to Mid Atlantic financial a year later without my knowledge. I have made every payment within a 30 day window since my loan was sold to this company and this is the first time my loan has gone this past due. There are a number of issues regarding this repossession, the first including that the tow truck driver came into a public establishment, and announced that my car was taken from in front the building. The lack of communication, and customer loyalty is astounding. After almost 2 years of timely payments, my vehicle was taken without due notice or any consideration for me as a consumer. 

I attempted to contact the company on XX/XX/XXXX at XXXX XXXX   and XXXX XXXX, and was given little information regarding this repossession. After speaking with two representatives, I asked to speak with a supervisor, but was left on an extended hold that ended with my call being disconnected. As someone who works in the finance sphere, I understand that it's my responsibility to adhere to my contractual obligations, but I do not agree that this was done fairly or at a reasonable time period - given the industry standard is 55-60 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-07-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 15 Hard inquiries i dont find familier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In 2001 I bought said property XXXX XXXX XXXX in XXXX PA XXXX. The property taxes were not being paid properly, and the property went of the heriff sale list before I ever personally missed a payment. Countrywide Mortgage had been practicing fraudalent practices against its customers. I then lost my job and missed a few payments I tried to remedy through quick sale, but it was too late because they had already freclose my property by not paying the taxes they claimed they were escrowing. From there had to wait 7 years for the property to come off of my credit. Being sold several times XXXX XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXX and XXXX. None of which even tried to collect the debt. I believe because they all new countrywide had been doing fraudlaent practices through the mortgage crisis. I would like a refund of all fees taxes and compensation for being scam into a mortgage that was already doomed. I can be reached at 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 2022-10-25
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for Citi new checking account promotion that stated you needed {$50000.00} for 3 months and receive {$700.00}. After 5 months, I called several times and finally was told that they will not honor the promotion and tried to say it wasn't targeted at me??? At the time, I called and spoke with a representative from Citi bank who assisted me in setting up the account under false pretenses. 
Then when I tried closing the account, they wanted to charge me to get my funds back. This is outright false advertising and criminal behavior. Citi bank should be ashamed of themselves. Hopefully, you can warn people of their predatory practices and lack of honor in backing their promotions. This is my first time filing a complaint. Thank you for listening!

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 2017-01-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've recently read about how XXXX College was listed as a predatory school and feel that I was highly pressured into enrolling. Now I 'm in a sea of student debt that I can not repay and am unable to find a job. I was told that I would receive help, but the one time I was able to return for help I was told that there was nothing to be done. 

I 've tried to return in order to receive more help to find a job, but the campus I used to attend is no longer available and has changed names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is yet another complaint filed against nasty old Bank of America who has been trying to take my properties under completely false pretenses and your files are FULL of all the XXXX I have been through with Bank of America these past FIVE ( 5 ) years and copies even faxed to the supposed head of CFPB XXXX XXXX who never ever replied to faxes and Emails : (. 
I have now sent a SECOND REQUEST under RESPA and the Department of Justice now has a file and is supposedly looking into this matter. Sent out certified XX/XX/XXXX and NO reply with the requested information as of today XX/XX/XXXX other than they are working on it ( XXXX loan B of A supposedly services and XXXX B of A recently and allegedly assigned to another really bad company in XXXX , XXXX . 
I finally got the money together to bring current the loan on XXXX XXXX XXXX and first sent a check to their XXXX Office which they subsequently returned since I had written on the check " Paid under protest ''. They said the funds now had to be certified funds. 
I then wired funds through my bank XXXX XXXX with another payment and late fee through XX/XX/XXXX so the total was {$41000.00} paid XX/XX/XXXX at XXXX to my account that has been set up with Bank of America and XXXX XXXX for the past few years and account number XXXX. I confirmed this with XXXX XXXX today and they confirmed my account as correct and confirmed the payment. 
We just got notice today that Bank of America rejected this account and said the account is the wrong account!! I know they are trying to wrongfully foreclose on this property just as they finally did on XXXX XXXX XXXX with the forged, fabricated, and phony documents that their crooked lawfim of XXXX XXXX completed on XX/XX/XXXX and even violated Colorado law with a very low bid of {$140000.00} when they had sent me an appraisal ( their opinion of value earlier in the year at {$270000.00} to insure they would not get title to a property they have NO claim against. 
There is even a phony alleged assignment of this note executed in blank by a known " robo signer '' that was done XXXX/XXXX/XXXX with known robo signer XXXX XXXX in blank for XXXX ( XXXX never had any officers ) and recorded in XXXX County. 
I have stacks of files that prove without question that Bank of America never had control of these loans when they allege they purchased Countrywide and all this harassment these past FIVE ( 5 ) years is completely bogus and fraudulent and many recent court cases are finally starting to discover. Please help me as these XXXX are scamming XXXX people and have wrongfully taken XXXX homes they had NO claim to whatsoever. Please follow your recent guidelines where you are supposed to be helping people like this XXXX year old XXXX Veteran. PLEASE this is NOT right.

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 2015-04-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
This is a SYSTEMIC issue that I wish to address with Regards to TD Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but TD however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I had someone try to apply a XXXX XXXX credit card under my name and it was put under as a hard inquiry. I talked to XXXX XXXX about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for Exeter Fin which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: LA
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:
This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX XXXX XXXXDocket #: XXXXXXXX XXXXDocket #: XXXX XXXX XXXXDocket #: XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: 1st Franklin Financial Corporation
State: SC
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:
Keeps reporting bogus remarks, etc from natrual distaer, write off, etc. needs to stop.

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 2017-10-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sold Test Voucher on XXXX The Voucher have expiration dates and the buyer was aware of it. 
The Buyer was supposed to used the voucher before XX/XX/XXXX on XX/XX/XXXX the buyer filed frivolous claim with XXXX and XXXX dismissed his claim. 
The buyer turn around and filed another claims with PayPal and PayPal refund the money without considering the facts. 
The transaction happened on XXXX and decide the case in my favor because they know the buyer was filing fraudulent claims. 
PayPal turn around and demand from me ridicules proof. 
PayPal intentionally ignored me and robbed me when they are aware that the buyer was not honest. 
The buyer claims with XXXX was not the same claim that he filed with PayPal. 
the buyer switch his story everytime and paypal refused to look into the facts that the buyer story is different every time and that the buyer did items was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}

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 2017-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called XXXX, XXXX. Reporting date was XX/XX/XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or XXXX, XXXX so this debt needs to be verified ASAP. I sent XXXX letters, via certified mail to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. XXXX days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX.Rooms to go acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a 3rd party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with XXXX, XXXX who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now XXXX. I told him that the information being reported was incorrect and that I am currently paying on the account through care XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that XXXX ( " XXXX '' ) is the owner of the subject XXXX/TD Bank NA XXXX XXXX XXXX Big Store credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX, XXXX has received seven ( 7 ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by XXXX. XXXX respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I called about my CHASE Sapphire Preferred credit card previously to using the service for the first time. I asked the representative over the phone on a recorded conversation how to avoid the interest charges for the cash advance. 

The representative said that in order to avoid the interest charges for the cash advance you must pay the full cash advance back plus the minimum balance payment owed. I followed his advice and borrowed XXXX dollars on XX/XX/2020 and paid back XXXX dollars on XX/XX/2020. The additional XXXX dollars being the minimum payment due. 

Since then they have been charging interest on th credit card every month plus additional interest on the cash advance. So far it has been XXXX months of additional cash advance interest charges amounting in XXXX 

I have brought this situation to their attention and I have not been able to get my money refunded. They also told me that in order to get the recorded conversion between myself and the representative who gave me the advice and instructions, I would need a subpoena.

Company response to consumer: Closed with explanation