BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the mortgage process in XX/XX/2021, as I want to incorporate the loan for an inground pool I had installed which has a rather high interest rate of 6.99 %. I was told with the initial phone call with the information presented, this would not be a problem, since my income and debt ratio are within limits and the appraisal of the home was sufficient for the refinance. 
The process has drug on and on, I have been asked to submit the same documents several times and I have submitted the documents several times, and each time I was told the process would proceed. This will be a VA loan. 
There is no reason for any rejection or delay as my credit scores are excellent, no missed or late payments on record.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has 2 attorney generals on my account which should only be one & which has been paid in full since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never did business with EOS CCA XXXX XXXX XXXX XXXX XXXX ). The original creditor was XXXX. EOS CCA reported this debt to all 3 credit agencies and has been my credit report since XX/XX/2020 with account # XXXX. I tried to dispute this debt with all three credit agencies XXXX, XXXX, and XXXX but was just a waste of time and this debt is still affecting my credit score currently. I tried contacting EOS CCA directly but they do not have a number listed anywhere.

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 2021-03-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consent not provided. No consent by definition is identity theft. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681b ( b ) ( 1 ) my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am locked out of my MOHELA account. I had saved the password for my browser, so I am sure I did not incorrectly enter it. I tried to go through the online password reset, but when putting in my date of birth and social security number, I am told I do not have an account. When I go to register a new account though, it says my account already exists. 

I have tried calling customer service on XX/XX/30 and XXXX, but the phone hangs up automatically while on hold at the 90 minute mark ( or before ) without ever connecting me to anyone. There is no other contact info. 

Given the ongoing student loan climate, being able to access my account is critical and MOHELA is making it impossible to receive help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
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 Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the 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 2020-09-02
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX sold this debt for {$310.00} even though they received proof from XXXX XXXX that it is discharged in bankruptcy and is no longer owed. XXXX XXXX  XXXX sold the debt to Online Collections XXXX who then put it on my credit with no notification or letter or attempt to contact me. I could have told them that they were sold a debt illegally and it was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted Barclay 's credit card company on XXXX XXXX XXXX I informed them that I am on XXXX XXXX and no longer working full-time and have had a substantial decrease in monthly income. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and unable to work. I requested a payment plan to reduce my monthly payments to {$100.00} until I can start working full-time again. I have never missed a payment with them. They denied my request and stated that I didn't qualify and sent me to credit counseling. I can't afford to pay them {$320.00} a month. I believe they are discriminating against me due to my age as I am XXXX and due to my race as a XXXX woman. I can't pay them what I don't have and I am not working full-time and can't work due to my injuries.

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 2023-10-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

This accounts and Inquiries has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I opened a checking account with capital one bank. I made a mobile check deposit of {$2200.00}. On XX/XX/2023, the check cleared but capital one sent an email that the funds will be available on XX/XX/2023. 
As on XX/XX/2023, the funds are not available for transactions. The bank has placed me on reaching voicemails. I can not reach any agent or customer representatives. 
I have tried to contact them for the past two weeks up to no avail. 
I do not know why they do not want me to assess my funds to be able to pay urgent bills. 
I hope that Cfbp will intervene so that this issue will not happen to unsuspecting customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: DISCOVER BANK
State: FL
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested my file disclosure from LEXISNEXIS RISK SOLUTIONS ( LNRS ) on XX/XX/2022 through the CFPB and they sent an email to me through their consumer center but misspelled my name and my email thought it was an unsafe email and put it into spam. I didn't notice the email until the CFPB notified me on XX/XX/2022 that LNRS told me they contacted me through email on XX/XX/2022 and that I didn't answer so they closed the case. LNRS suggested I go directly to them to make my request but I don't feel safe or trust that their actions are done in good faith. In the email I received they already broke federal law by asking me for my SSN and asking me for other private information that has nothing to do with verifying my identity. I want them to take their grave responsibility as a CRA seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Earlier this year, I complained to CFPB about Experian NOT properly updating my debt report. Experian claimed they were at fault and raised my Fico score to XXXX on XX/XX/2019. Then 5 days later XX/XX/XXXX, they did an update and my debt report was at {$360.00}, ( {$250.00} XXXX XXXX and {$110.00} XXXX XXXX ), new balance which is 7 % credit utilization. Credit bureau like to see 6 % and under. Experian dropped my Fico score by 2 points. On XX/XX/2019 debt report, Experian DID NOT properly update my debt report. My info I received from XXXX XXXX and XXXX XXXX is {$86.00}, THE COMBINED NEW BALANCE for XXXX, which is 1 % credit utilization. They still used FEBRUARY`S XXXX XXXX of {$250.00} and {$13.00} XXXX XXXX. Experian did get XXXX XXXX correct but NOT XXXX/XXXX. balance, which equals a total of {$260.00} which a WRONG TOTAL for XXXX. I expected my Fico score to go up for my hard work on keeping a small balance of {$86.00}. My XX/XX/2019 DEBT REPORT with info I received from XXXX and XXXX/XXXX  is {$190.00} which is 3 % credit utilization. THEY STILL USED FROM XXXX XXXX/XXXX  {$250.00} OLD BALANCE. Now this is 2 months in a row Experian DID NOT properly update my debt report and I am way below the 6 % they like to see. I saw this error back in XX/XX/2019 but I gave Experian the opportunity to fix this but they FAILED, AGAIN. I tried to do an on line dispute with Experian but it seems like anybody is allowed 1 time dispute for a lifetime which this is why I am contacting CFPB. Experian management is NOT doing their job doing properly training of their people. All this is, that nobody is NOT PAYING ATTENTION TO THEIR WORK, which is resulting in debt report ERRORS. Experian did report ERRORS on me ( retired senior citizen ) 3 out of 4 months for the year of 2019. This is extremely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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:
I noticed fraudulent accounts on my report in XXXX of 2022 and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, Equifax, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, Equifax later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: OH
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'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX. Inquiries-XXXX, XXXX XXXX XXXX, XXXX  , XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  , XXXX , XXXX , XXXX XXXX   XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX 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 2022-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was informed by Wells Fargo on XX/XX/XXXX that a fraudulent wire transfer was being returned. They listed the amount that was being returned. I called several times on XX/XX/XXXX to confirm that this amount was being refunded as I was only seeing a credit of a partial amount. It was affirmed to me by 3 people who saw the same email notification I received in Customer Service Online that I would indeed receive the full amount reflected in the Notification. I also then spoke with someone in the Online Fraud department who separately confirmed to me that what I was seeing was only a PARTIAL refund but that I would be receiving the full amount within 2 business days. 

I called again on XX/XX/XXXX to confirm this with somebody in the online Fraud department and they gave me a radically different response : 'that Wells Fargo was only able to recover a portion of the funds from the Recipient bank '. 

I can't get a straight answer and have it in writing that Wells Fargo is returning {$24000.00}

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 2021-11-22
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Honda financial reported past due balance after bank error returned payment the payment was not late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased some furniture from Big Lots 2 years ago for {$2500.00}. They offered XXXX percent financing for 2 years. I set up automatic payments on XXXX 's website of {$100.00} per month. All XXXX payments were made on time. My XXXX and final payment was made just a few days after the promotion period had ended. 

Apparently I made a mistake about when my last payment was due. I had a balance remaining of {$100.00} to pay it in full at the time of this complaint. It has been paid. 

When I saw that my statement balance had increased by {$1200.00} I immediately went to the website to see what wrong. I thought perhaps my card had been compromised. When I looked at the most recent statement ( I signed up for paperless statements ) I realized that the sudden balance increase was deferred interest. 

I immediately called XXXX to pay the remaining {$100.00} and have the huge interest charge reversed. They refused. They told me my XXXX statement contained a notice that the promotion period would end next month ( XXXX ). 

I have no reason to look at my paperless statements because I always make my payments on time. 

The interest charged is more than 50 % of the original purchase amount. I want the deferred interest reversed in full so I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.

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 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I sent two letters to Capital One disputes ( since the address I received from customer service was different than the one I saw online ) to ensure they received my letter. USPS tracking made me aware that both letters were received on XX/XX/XXXX. The letter was written after multiple attempts to resolve the issue over the phone were unsuccessful. I sent the letter because of numerous billing errors that have led to my car being wrongfully repossessed on XX/XX/XXXX and inaccurate reporting to the credit agencies, and that has caused me to be in loan repayment longer ( and causing me to pay more on my loan inaccurately ). I have received no knowledgeable explanation for my disputes through COAF customer support and have continued bills with increased overdue amounts after having made a payment through a payment plan and have had miscellaneous charges on my account ( when I called to inquire about the additional costs, I was told they were additional repossession charges ) So ; I began to look into my account. The following is from the letter I sent. 

A growing concern regarding the accuracy of my account began after receiving multiple statements with an additional charge of {$330.00} under " other fees, '' invoices with past due balances after completing a payment arrangement, and significant variations in interest charges. After reviewing my account, I believe that my current and past-due balances on my account are inaccurate due to the following billing errors : 1. Inaccurate and increased monthly payment charge 2. Inaccurate and increased interest charges 3. Erroneous additional charges 4. Payments unaccounted for Nearly a week after COAF received my letters, they are continuing collections attempts after receiving my dispute on the current balance on my account and the past due balances. I am now filing my complaint with CFPB to help escalate my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: OneMain Finance Corporation
State: IA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I did a double deferment on XX/XX/XXXX since I had went to XXXX XXXX and I am a temp employee I do not get paid. They had an option for me to pay XXXX to do the double deferment. I was then told I would be caught up and would not have to make another payment til XX/XX/XXXX. We'll they never did the double deferment like I was told and slapped another late fee on and more interest. I called again last week and was told oh it's because they didn't take off the late fee. She said she fixed it. It still isn't fixed. This is the XXXX time since I have had this loan this happened. They need to fix this or I will seek legal action. They have hurt me with so much interest already. I need help I am super sick and this stress isn't helping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on property XX/XX/XXXX, taxes increased in XXXX after my purchase. Servicer was given new property tax information but didn't start escrowing the correct amount of taxes until XX/XX/XXXX when I asked for a partial claim and numbers were redone. I requested an extension on the escrow shortage to 36 months but was denied. Servicer states I can not speak to the tax dept or senior management about my request. Due to the carelessness servicing of my loan, my payment has increased by {$300.00}. 
My net income is {$4500.00}, new payment {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation