BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Midland Credit Management and XXXX XXXX  have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a XXXX points and Ive disputed this again but every XXXX or XXXX  years they sell my information from this XXXX and XXXX accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN EXPRESS Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, I received a text from USAA asking if I authorized a charge to a hotel in the XXXX. I replied yes and USAA thanked me for letting them know it was not fraud. Since I have had several problems with USAA in the last few months, I called them a couple of hours later and found out that they had canceled the payment to the hotel, a week before I was supposed to arrive, and that it was my responsibility to contact the merchant to have the charge reapplied. 

I contacted XXXX since I made the reservation through them. They eventually told me my reservation was canceled and there was no availability at the hotel I selected. I saw the direct number to the hotel on XXXX and called them directly in a panic because I thought I did not have a room. They were able to charge my card, but the damage was done in terms of the stress USAA caused by poor communication. I made several additional phone calls to USAA and also sent emails to their CEO. No one seemed to care about the issues USAA caused and they thought the issue was resolved when they replied by explaining their fraud procedures. 

Earlier tonight, I received myXX/XX/XXXX bill and it included an additional {$13.00} for my call to the XXXX. I called USAA and not only did they refuse to reimburse me for this call, but they also admitted that their fraud notification was flawed. There is no information in the text message they send other than asking if the member authorized the charge or not. They also admitted that they immediately canceled the transaction because they didn't want to be held responsible if it was a fraud. If it wasn't fraud, the member is screwed. They assume that members will know what to do, even if they are in a foreign country. USAA claims they are for XXXX but they treat people like trash and do nothing when they cause disruption to this level. I believe they need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that was taken out in XX/XX/XXXX ( an 80/20 loan ), due to the issue of the housing, I stopped making the payment. In XXXX, I filled for bankruptcy and the loan for both mortgages were discharged. I understand now that it didn't remove the lien against this house and it is still part of my home. I have been in contact with the lender and requested a payoff statement ( which one has been received, 2nd Mortgage ) however they will not provide one to me as my file was purged and they will not provide me with a release. I am trying to sell my property and this has been holding up the sale. My escrow company has tried to get them to provide what we need and they have been giving me the run around as to what my next step is from them with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Consumer Real Estate Finance Co.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house to a buyer who used XXXX. He had an FHA loan. The contract process was started on XX/XX/XXXX with closing date of XX/XX/XXXX. XXXX did not give any indication that the loan process would be significantly delayed. Therefore, I planned a multi-state move so that I could buy my new house ( contingent upon my home 's sale ), and organize a move, as the buyer was to take possession upon closing. 

Due to XXXX 's inefficiency and ineptness ( they admitted as such when I called to inquire ) in their underwriting process, the closing was delayed by XXXX weeks. Most of the inefficiency revolved around asking for additional documentation that any financial institution should have asked for in advance. As an example, they asked for the buyer 's checking account statement only 2 days before original closing XXXX the buyer furnished the document before the close of business same day ) -- this should have been perfunctory. 

Due to these delays, I also had to delay the closing of my new house in a different state, though I was supposed to be here for work. This means I incurred extra charges in the form of temporary living, storage of my household items and furniture, and at least XXXX full week of holding the mortgage rate ( I had locked in for 45 days to account for some delays, but not this long ). The total of out-of-pocket expense I incurred due to XXXX 's inefficiency was approximately {$2000.00}. I know there is no legal recourse, but I acted on good faith and it cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: American Credit Acceptance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a low income & repairing my credit. I was looking for a used XXXX not to exceed XXXX sales price. 

I went to a dealership in Oklahoma, put cash down XXXX. At an interest of 21 % XXXX monthly payment for 72 months the loan. Ive purchased two vehicles at the price of XXXX before and done so successfully. Ive done extensive research into how to purchase a vehicle to best build my credit according to what my credit was, my plan was to refinance in a year. Ive fallen behind on payments due to XXXX I cant seam to get caught up. I set arrangements but continue to get harassed to repo my XXXX although there are notes regarding the plan to get caught up. Ive applied for small loans, payday loans and am denied, anything to get caught up so I dont loose my car as I am a single mom I need it to work. On top on that since XX/XX/2022 the car had not been running. Ive replaced alternators, batteries, grounding cables, etc. It is now misfiring and I can not put anymore money in it at the time so Ive been just paying XXXX to get back and forth to work and its extremely expensive. 

I was studying consumer law to see what I can do to help my credit and came across a lawsuit against the auto finance company I have my car through. The investors have sued this company and won. There is now a consumer call action lawsuit and the complaints worried me so I retried my initial agreement and After reviewing it saw there were about XXXX added other charges to the initial price I was not explained at purchasing. I also saw the finance charge is {$10000.00} with an finance amount of {$12000.00}. The total payments would cost XXXX and the total same price was now listed as {$24000.00}. Term is 72 months at XXXX. 

This vehicle year after doing research has extensive engine issues and XXXX is fighting against putting a recall on this year but are being brought to court due to the extensive issues resulting from the way the engine was built in this model. I say this because I cant afford to continue fixing a car that has hundreds of complaints of customers with the same issues that only worsen. Only to find that I cant refinance it, get a loan to get payments caught up, and am being charged {$24000.00} for a loan that the purchase information page of my agreement ( which is the only part my sales men explained ) reflects a total balance due of {$12000.00}. The interest is confusing. Im not sure what to do Ive never seen an issue like this to know how to look for it initially. I was hoping to build my credit but am now afraid of bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No lawsuits have been filed regarding this issue yet, which is why I am asking the CFPB to investigate Sequoia. They are trying to collect on a medical debt that does not belong to me and they are reporting it to my credit. They say the debt was for a medical debt at XXXX XXXX, but I have never been there, therefore they could not have charged me. If in the event I am delusional then Sequoia   should have not problem producing a copy of the original contract to substantiate per their requirement under the FDCPA. Sequoia  is attempting to collect on a debt not authorized by an original agreement because simply I never went to XXXX for any sort of medical treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: DIGITAL FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I signed up for a vacation package ( XXXX ), a few months later I realized I never received what I paid for so I decided to dispute the charges and try to get my hard earned money back. I reached out to XXXX but they kept trying to give me the run around and not refund me so I reached out to my bank ( Digital federal credit union ) to dispute the charges and attempt to get my money back. They were somewhat helpful at first but I login to my account today and see that the charges were reversed and my account is overdrawn without any explanation. So here I am now making a complaint because I feel like I am being robbed and scammed by XXXX and Digital federal credit union is in cahoots working with them. I am very disappointed

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have complained for 2 years to stop mailing me promos. 

I even went online and changed my setting to stop!!! 

But bank of america does not care so now i have to complain to you PLEASE GET BANK OF AMERICA TO STOP MAILING ME!! 

I only want mail that i am legally required to get via mail

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$230.00}

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 non-monetary relief
Consumer complaint received 2023-11-01
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Two payments towards my student loans were " processed '' and then returned by Nelnet. They claimed my financial institution XXXX XXXX XXXX XXXX ) denied the transfer of funds. My bank claimed they never received a request for a transfer from Nelnet. My payments towards my loans are now past due and my credit is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am seeking access to my account to my loan service provider, NelNet, I have tried to log into my NelNet account because my email received an invoice for loan repayment and request that they defer my loans because of my in-school status. When I tried to make an account it stated I could not do so because there was already an account set up, which I did not create. I tried to recover a username or password to log into the created account, however, when I try to recover any password or username it simply says it can't carry that request out because they do not have my contact information and that to activate my account I would have to call their general customer service hotline, XXXX. This is not true, as I have already mentioned, they have serviced an invoice to my email but are stating they don't have contact information of mine. Regardless, I can't access my account or recover my account at all. I tried to call the phone number twice within the same day, XX/XX/2023. The first call started at XXXX XXXX. and I had to end up hanging up after an hour and XXXX minutes on the phone waiting because I had classes beginning soon. I decide to call again at XXXX XXXX and this time I waited for 2 hours and 15 minutes without reaching a customer service representative. Each time I called the automated voice system stated that I would be on call for an estimated " minutes '' and it would take about or over " half an hour ''. I had to hang up because I, like many others do not have many excess hours in the day to spend waiting for a response from customer service, the egregious part is the only way I can get into my account is through their phone line and I simply can't afford to await endless hours of automated messages in the hopes of a possibility that I reach a customer service representative by the end of the business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX  XXXX Balance {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: CA
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:
These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo customer for XXXX tried refi va loan- loan modification

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