BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX finance has on my credit report a repossession when I have my title and receipt of full payment of the car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Equafix fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}

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 2016-01-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My father passed away on XXXX XXXX, 2015. There is a reverse mortgage on his home in Arizona. I notified Champion Mortgage of his passing and provided a copy of the death certificate and will. I noticed them of my intention to payoff or potentially sell the home. I have requested from them payoff information and copies of documents. The only thing I 've received from them is a XXXX % of Current Appraised Value Loss Mitigation Option Acknowledgement. I was told that it would take 72 hours to process and provide me with payoff and the requested information. We are now at 10 days and I still have not received the information. I 've made several calls trying to speak with the same person I first spoke to ; I 've requested calls back from that person to no avail. They are completely unresponsive. One person will tell me they can not correspond via email ; another contradicts that. I 've been recording the calls since they are recording me and have talked to XXXX different people and not one has been helpful. Mostly I get put on hold for lengthy periods. This company is the worst. I am at a loss to know how to proceed at this emotional time. I simply need to know what the legal rights are for my sister and I and how to proceed to payoff/or sell. I actually went on-line and read the feedback on Champio Mortgage and it 's frighteningly negative. This is XXXX XXXX and I was led to believe I only have until XXXX XXXX to act or this company can begin forclosure. That 's not what my father would have wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello- I'm a co-signer on my Son 's Student loan. In the recent past, i received an email from Discover Student loan department that my son was not paying up. I did remind my son to pay the outstanding which he did. The account has been normalized. 

I called in Discover on XX/XX/ to check the health status of the account and they did confirm that the account is in order. I logged into the student portal to gather more information about the loan such as an amortization statement as the he has about {$53000.00} in loan for a fixed term of 15 years. However, the Discover Student portal has no information whatsoever about the amortization statement relating the the forecast of the loan spread over 15 year period. There is no clear break up of interest versus principal. I spoke to two representatives today. The first rep put me on a long hold and disconnected the call. The second representative was more forthcoming and confirmed that there is no such statement such as amortization for student loan and he put me on hold. The second representative latter disconnected the call. 

I would request CFPB to hold the financial institutions to be responsible for not being transparent in the student loan arena. As such we have burgeoning student loans across the country. To top it financial institutions are not being transparent in their code. Enforcement of such rules and regulations will make student loan more transparent. 

Appreciate it. 

regards XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The Clarity agency which is a sub company of XXXX report my XXXX XXXX to XXXX. Upon Denial of my credit I requested a report from this agency who I have never heard of and was denied after answering all the security questions lie providing my Social Security XXXX. They said that they did not know who I was and I have received a report from them before. I asked why are you reporting my credit if you have no idea of my Identity. No answer and refused to let me speak to a supervisor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A property I own went into foreclosure after my mother in law died. I am in the process of selling the property and satisfying the mortgage in full, no short sale. In speaking to the bank previously, I knew there were added charged to the base principal for attorney fees, escrow advance, etc. 
When my title agent requested the official payoff for closing on XXXX XXXX, 2016, he received the attached document showing the payoff amount. This amount includes a new line item titled 'Lender Paid Expenses '' totaling {$4100.00}. I had gotten a breakdown from their attorney of the various fees being charged but nothing referencing this. 
When I called today to get a detailed breakdown of the charges, I was told they do not know what they are and the only way to find out was to make a request to the research department. Should be simple enough but was then told that they do not have phones. The only way to submit a request was formally in writing by either fax, which I do not have, or by mail. I asked how long until I receive the information and was told they have no timeframe for getting the information. 
So with a closing this week ( which would satisfy the loan without them having to foreclose ), I am being told I need to jump through hoops, submit in writing to a department without phones and an indeterminate timeline for response, to find out what they are charging me for. 
I believe they know that by stalling I will have no recourse to fight these unknown charges as the payoff will be made by the closing agent. They are hiding behind their research department to defend these false expenses. I believe I had a right to be notified of any expenses that were being charged to my account and since I have never received ANY paperwork showing such, it should be removed or proven. 
All I am asking for is a reasonable breakdown and explanation of the 'expenses ' being charged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo merged their websites and I no longer have access to my account. I have tried on multiple occasions to resolve with them and they are requiring I go to a branch. There is no branch near me and I am not taking hours out of my day to fix their mistake. Everything worked fine until they changed their site. They need to fix this. This is why I no longer have checking or savings accounts with this awful bank.

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 2021-06-01
Company: CITIBANK, N.A.
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:
In XXXX Macys XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.

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 2022-06-12
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was coming out of Forbearance and was contacted by Mr Cooper reps about next steps. They gave me no other option but to settle the entire amount of the forbearance period in XXXX payment. 
I contacted the VA and had them help me with this by having the VA make an extension. Paperwork was sent to me for me and my wife to sign and notarize. We called and scheduled the notary, paid and had the packet sent back. This was last XXXX. At the end of XXXX, a second packet was sent out to me, and I received an email from the Mr Cooper rep informing me that the paperwork was wrong and my wife signed in error, as she is not on the original loan- only the deed. So I was to have the paperwork signed and notarized and sent back in. They told me mr Cooper would schedule the notary for this. 
None was ever scheduled. I was also told, by an account rep, NOT to make payments as this would mess with the extension and payment schedule. 
At this time it was XXXX. It is now XXXX, no notary has been scheduled and I tried calling to make a mortgage payment. I was informed that I could not make just XXXX but that I had to make XXXX months worth of payments all at once and my house is in foreclosure as of XXXX XXXX. I was informed that a demand letter was sent to me in XXXX. After I told them I received no such letter, I was informed that not receiving it doesnt matter and I am still responsible for the payments and other issues in said letter. I still have not received any letter. 
My online account is disabled, so all I am able to do is see how much I owe and see the phone number to their customer service to make said payment as it is impossible to make an automated payment online. 
I have contacted my VA account XXXX and I am in contact with her, but I still have no idea how I am making XXXX  months worth of payments and avoiding foreclosure. I spoke to a loss mitigation XXXX at mr Cooper and all she could do was demand full payment and refer me to my state agencies for financial assistance I am about to become a statistic due to MR Cooper and their lack of administrative organization and demands that they are always correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted multiples times with your company to get PORTFOLIO RECOVERY debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had two different loans with credit acceptance corporation. One I was a co signer on the other I was the main borrower/signer. The one I was co signer on was impounded due to my sister who was the main signer being pulled over. It was placed at XXXX in the town we live in. XXXX refused to release the vehicle to me even though I was co signer, I contacted credit acceptance and told them the situation they ended up letting XXXX keep the vehicle and went after my wages to still pay what was left on the loan. XXXX sold the vehicle and I was left to continue to pay on it. My sister only owed less than XXXX to begin with and I paid thousands because they went after MY WAGES! I paid them {$160.00} a month for years until they said they were satisfied! They even had the audacity to send me the title after I paid them thousands of dollars and they knew I never had the vehicle. 

The vehicle I owned was repossessed after awhile and again I didnt owe much on it, I ended up getting it out of repo keeping it awhile longer then decided to just do a voluntary surrender. The payments and terms on the loan were ridiculous to begin with. These ppl take advantage of ppl with limited credit and income. But I still knew I was responsible for what I owed according to the loan terms. Well they resold the vehicle and again tried garnishing my wages for an amount more than what the loan was even for, they didnt even take in to account whatever they sold the vehicle for. Again I was stuck paying them {$160.00} a month for years with no vehicle to show for. I am actually STILL paying on this one. Its been very stressful and took a blow to my income that Im paying them thousands of dollars with nothing to show for it. They use a law firm called XXXX XXXX to attack your wages for ungodly amounts. They should be sued for pain and suffering and have to give people their money back and then some. The most recent garnishment I have from them was from XXXX and I am still paying {$160.00} a month. The previous one was from XXXX. I reached out to credit acceptance on multiple occasions but was always told to contact the XXXX XXXX XXXX XXXX!!!! These people are crooks!!

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 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX  Capital One sent me a text message asking me if I made a purchase with XXXX  for {$39.00}. I told them no, I then asked who was the merchant, and they told me a subscription to a dating website and it was in California. I live in Texas. They created case XXXX XXXX and restricted my debit card and they are sending me out a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I requested a cash back withdraw of XXXX on XX/XX/XXXX. I was only given an amount of XXXX in my checking account on XXXX. Working in development I figured that there was a rounding or input error and was trying to get someone to look into the event. The first call I made on XXXX was unsuccessful because of the lack of business days passing between the request and their guaranteed date.When I called today I was left on hold for 25 minutes with no response and when trying to contact through messaging I was told to call the number that was not helping earlier. I don't think the bank Comentity is a legitimate banking practice if they are making errors like this when money is involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a call from Citi Bank asking if I had authorized or had initiated a transaction via XXXX for the amount of {$780.00}. I quickly replied I had not. They advised me that whomever had accessed my account had moved money from my savings account to my checking account Citi Bank sent me a text XX/XX/XXXX at XXXX stating my XXXX transfer had been canceled and reversed for {$780.00} and to allow 24 hours for funds to become available ( ref. # XXXX ). 

I followed up with Citi Bank on XXXX asking for a status on the reversed payment. They advised it would take 3-5 business days. 

On XX/XX/XXXX I went to the XXXX XXXX branch and submitted another status report and update on the funds. They had me file again another request for the funds to be returned. They also had me do a police report which I also completed that same day. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch letting me know that the request was denied because " I had initiated the transfer '' and I would need to go in to escalate the issue. 

I went into the branch on XXXX and made filed another request to escalate the issue and spoke with representative over the phone asking me questions regarding the initial transaction. They advised me this could take up to 30 days to resolve. 

They have now mailed me a letter stating they stand with their decision. That I initiated the transaction and they will not return my {$780.00}. 

I have the proof of when they texted me they would return my {$780.00} and I can provide the necessary records to show proof.

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 2023-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to the three credit reporting bureaus to investigate 5 accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single one of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: First Advantage LNS 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:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.

Company response to consumer: Closed with explanation