BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied and was approved for loan options with one main financial, upon completing what they say was required by uploading all documents asked for, I received a call by Branch Manager XXXX XXXX who asked for collateral info for my vehicle, upon the info, he said he would deny me based on the age and mileage of my car. This is indeed discrimination and adverse action. 

RE : Adverse Action I, XXXX XXXX, the consumer and natural person, was denied credit by ONE MAIN FINANCIAL when I applied for a personal loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by ONE MAIN FINANCIAL due to the response I received.

ONE MAIN FINANCIAL is in violation of 15 U.S.C 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ONE MAIN FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXXXXXX employee made an error by posting a payment on my account that I did not make. Then they reported to the credit bureaus that I had a high balance of {$1200.00}. The credit limit on my card is only {$500.00}. I have never charged anything on this card that is over my credit limit. I called XXXX XXXX XXXXXXXX to fix this problem and they have refused. It is causing me to not get credit and home loan. I called and sent letters to XXXX XXXX  XXXX and to date they have refused to correct their error and report the correct " high balance on this credit card. I am being discriminated against because I am a XXXX woman. XXXX XXXX  XXXX is fully aware of their error and have refused to fix it. 
I wrote them numerous letters stating one of their Customer Service Rep at their call center processed a payment on my account that I never did. They have refused to correct my credit report and take off the high balance they are reporting. I never charged anything on this account to have a high balance of {$1200.00}. I been fighting them for over 2 years to fix this error. They have refused and doing this to keep a false derogatory information on my credit report to prevent me from getting loans and credit. Because I am a XXXX woman. Please stop this discrimination against me and fix my credit report with the correct information. 

Below is what is listed on my Credit files. All three, XXXX, XXXX and Trans Union is reporting this inaccurate high balance : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In reference to account # XXXX, Citizens One Auto Finance is utilizing illegal late fee policies. 
My payment is due on the 3rd of the month with a 10 day grace period. 
I have always paid my car note before the XX/XX/XXXX of every month. 
The first time they accessed the late fee, I asked them to remove it because I paid on the XX/XX/XXXX. 
The rep stated that I paid on a Saturday, and they don't count the weekend as a payment date. 
I asked the rep, where does it state that on their website. 
She couldn't advise me because it's not stated on their website. 
If their policy states that weekend payments only count for the next business day, PLEASE PUT THAT ON YOUR WEBSITE. 
After I complained, they removed the late fee. 
This second late fee that they won't remove occurred after I paid my bill on the XX/XX/XXXX of the month in XX/XX/2018. 
They did not debit the money out of my account until 5 days later. 
I don't care when they took the money out of my account, I paid the bill on the XX/XX/XXXX. 
Instead of them reviewing my account to see if a payment is pending, they immediately access a late fee. 
These are unethical practices that they're using to access late fees on their customers ' account. 
If my account is reviewed, there will be NO payments made after the XX/XX/XXXX, so I've never been late. 
I mailed them a letter two weeks ago asking for them to remove the late fee. They refuse to remove it despite me paying my bill on the XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: GA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$360.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 PAYMENT HISTORY LEGEND Status Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$360.00} Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2022-08-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase bank continues to willfully violate the CARD Act despite my repeated complaints and warnings. 

XXXX XXXX XXXX balances were as follows : Purchases ( 25.25 % interest ) - {$930.00}, XXXX XXXX ( 0 % interest until XX/XX/24 ) - {$1200.00}. In the XXXX statement, there were {$150.00} in additional charges, a payment of {$700.00} and a " redemption credit '' of {$100.00}, meaning there was {$800.00} in total credits during the statement period. Under the CARD Act, my purchase balance should have gone down to {$280.00} and my cash advance balance should have stayed the same, because payments are supposed to apply to higher APR balance first. Instead, the bank appears to be applying my payments in some kind of random fashion. As a result, the XXXX statement shows a cash advance balance of {$760.00} and purchase balance of {$940.00}. This has been going on for several months in a row, and despite my repeated complaints the bank keeps saying they will give me a " one time '' credit for the interest charged but otherwise does not meaningfully engage with the problem. At this point, it is becoming increasingly more likely that this is an intentional scheme to evade the requirements of the CARD Act and their refusal to deal with the issue is a lot more than poor customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-16
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage services my account. The account said I owed XXXX. I paid {$1600.00} dollars. They Credited the account. When I got onto the web site it had credited the XXXX but said I still owe {$520.00}! My escrow amount isXXXX. 

I called the company for an explanation on XXXX XX/XX/2019 at about XXXX XXXX. XXXX ( # XXXX ) had no explanation. 

I have not had an explanation on how I can pay off the principle and yet owe more money on the principal. 

He said I needed to have a " payoff amount '' calculated and that there would be a a {$30.00} charge. I asked the reason and he said it was the " law ''. I asked for him to quote the law. After about 20 minutes on hold he told me THERE WAS NO LAW. That the company charges loan payers that amount to tell the payer how much the mortgagee has to pay the servicing agent to pay off the loan.

This is obvious fraud as I was told the amount to pay off the loan is one thing and suddenly another loan principle appear. Further the agent for the company lied that there was a law and then there was no law.

I fail to see why I should pay a company a fee ( read profit ) for them to tell me how much I owe.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.

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 2022-08-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
In accordance with the Fair Credit act Navy Federal Credit Union Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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:
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 account. 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 reportsno consent is fraud. Please delete this fraudulent account ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
THE XXXX XXXX XXXX WAS RETURNED TO THE DEALERSHIP! My name is XXXX XXXX and on XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used minivan XXXX XXXX XXXX with XXXX miles with XXXX and XXXX. I believe they are the owner. From the start, there was an issue with the entire process. The same dealership got 2 different loans on my credit report for the same vehicle ( one with XXXX XXXX XXXX, and this one with Credit Acceptance ) - one for {$7500.00} and the other of $ XXXX. I took the delivery of the vehicle on XX/XX/XXXX and Returned the vehicle back to them on XX/XX/XXXX around XXXX XXXX. When I asked there were 2 loans for the same vehicle on my credit report, they said that it was their mistake and they will handle it. The vehicle had a major mechanic issue, and it was fully returned before 30 days, and it doesn't pass any emission test. I attempted to return the vehicle earlier, but he kept giving me so many excuses for the reasons that he wasn't going to be there. I have never dealt with this before, and today I'm looking at my credit report and noticed that there are 2 loans of the different amount shown, which was fraudulently submitted by that dealership and its owners. Please be advice again that i don't have the vehicle in my possession and it was returned to the dealership. I've already called the dealership and the bank but no one seems to want to help. Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Equitable Acceptance Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/2016 I introduced to a student loan consolidation program. The program was said to be apart of the XXXX XXXX XXXX XXXX. I was presented the idea that the consolidation would be income based. Based on my income at the time, I paid {$330.00} Up front then had to continue to pay {$39.00} to equitable acceptance every month as repayment to my existing student loans. As I begin to go through the process of buying a home and gathering info on my student loans, I was informed that my loans have not been consolidated through the company as promised and my XXXX payment was not going towards paying off my loan as promised. In fact there was a line of credit opened instead of a consolidation and Ive been paying on that over the years instead of my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: UT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
BY REPORTING THES INACCURACIES YOU ARE IN VIOLATION OF 15 U.S.C 1861b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstances and no other : TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a huge amount of injury

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 2021-05-18
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a mortgage refinance on XX/XX/XXXX, at closing ( when we closed on the loan ), approximately {$1300.00} was collected by then mortgage holder XXXX XXXX, XXXX, for 12 months of hazard insurance. Shortly thereafter, XXXX XXXX  sold the mortgage to US Bank. I assumed that the collected hazard insurance funds would be provided by US Bank to my insurance provider ; XXXX. I didn't receive any notification of a lapse in payment until my insurance provider phoned me on XX/XX/XXXX, indicating that the current mortgage holder ; US Bank, did not make any Hazard insurance payment ( despite collecting 12 months of Hazard Insurance at closing and collecting approx {$100.00} monthly via my mortgage payment. ) That same day, my insurance provider also called US Bank, during that call my insurance provider explicitly told them they needed to make a payment to XXXX immediately to bring the insurance current, which a representative of US Bank apparently ( according to my insurance provider ) agreed to do. 

I assumed this was matter was taken care of until I received a letter from US Bank, dated XX/XX/XXXX indicating that insurance had lapsed and that although they admit to speaking to my insurance provider, US Bank dishonestly claims " that there was no mention of a lapse in payment '' and rather the insurance agency had contacted US Bank over an " incorrect mortgagee clause '. This a patent lie, the entire reason for my insurance provider to reach out to US Bank was to insure that a payment was made on my hazard insurance. 

I then received notice from US Bank dated XX/XX/XXXX that they had not received proof of insurance for the period XX/XX/XXXX to XX/XX/XXXX and if they did not receive proof, they would charge me for " {$4600.00} annually '' for insurance coverage for the period indicated. This amount is almost 3x what I am paying for Hazard insurance. I believe this is an example of incompetence on the part of US Bank ( they just failed to make the payment ) and them trying to stick the consumer with the bill for that incompetence.

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