BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process to cash out refinance using XXXX XXXX and decided upon Amerisave. The process began on XX/XX/XXXX with an immediate hard credit pull. I agreed to proceed with Amerisave ( instead of 1 other company ) because they promised a rate of 2.625.  I completed the disclosures and paid {$520.00} for an appraisal. The appraisal was completed and report received XX/XX/XXXX. I unexpectedly received a new disclosure statement with a change in rate to 2.25 but still floating. Prior to the appraisal, I asked why the rate was still floating. I was informed by loan officer XXXX XXXX XXXX ID # XXXX XXXX that the rate would lock in after the appraisal. I have provided all information as requested to the loan officer in a timely matter but as of XX/XX/XXXX, there has been no movement on the application and no loan processor assigned. I last provided requested employer information as they indicated it was a time sensitive request on XX/XX/XXXX which was provided several times both in my application as paycheck stubs and direct HR contact information. My last callback received was on XXXX. Since then I have inquired several times and the company has now stopped all communication. There has also been no change in status on the online platform. My last email from XXXX was received on XXXX XXXX. This was the first email received in weeks and was a response to my emails informing them of my change in availability. I was merely instructed to forward my email to XXXX XXXX, his manager. I have called and left voicemails for both the loan officer and his supervisor, XXXX XXXX. I have also emailed several times explaining that my XXXX XXXX status affects my availability for this application to extend beyond 90 days as I will be needed to close in-person once finalized and I may not be locally available to do so. As an XXXX XXXX XXXX who has responded to the pandemic, this company and their lack of responses are causing undue stress. I feel as if I have wasted my time and money including a hit to my credit report interacting with this company ; time and money I could have spent with another, more responsive company. I now feel as if I am in limbo and am left with no recourse other than a hit to my credit report ( and another hit should this application be canceled and I am then forced to start over with another company ) and wasted time. For the record, this is the second company to waste my time during COVID on a fake refinance. I was solicited by XXXX XXXX ( my current lender ) while on XXXX and due to their inability to  communicate or stick to set closing dates, I was forced to withdraw my application. This will be a total of 5 months of time wasted with these lenders. Something must be done. Please 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 2019-03-12
Company: Texas Guaranteed
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX College back in XXXX for one semester before moving back to XXXX.. I received {$600.00} for my first semester and 2 semester I withdrew and returned my second semester check back to the school..in XXXX i started receiving calls about paying off my loans when I set up arrangements a year later my loans continue to increase.. im not responsible for any other funding sent to XXXX XXXX  College after I withdrew..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Diversified Consultants, Inc.
State: IL
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:
The dates are showing open. The original creditor ( 11 XXXX ) is over ten years old. This debt collector ( Diversified Consultants ) is using revolving debt practices against me. Also, it's only being reported on XXXX  credit Agency. XXXX  credit Agency removed this about account years ago because of resetting the legal clock tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX:XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I went to on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX to purchase a new car. I was Preapproved by XXXX XXXX. I told my sale representative that I would only want the dealership to pull credit and only send my application only to XXXX XXXX. I stated that I do not want any other credit to inquire on my credit report. I explained this to Sale rep XXXX XXXX my concerns several times ( 4 times to be exacted ).  XXXX ensured me that he would let the finance manager know my request. I took it a step further and also write on my credit application to only work with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Credit Collections U.S.A., L.L.C.
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:
Ive noticed multiple reporting every week for the same account from Credit Collections USA. I called to inquire debt on XX/XX/2021 and asked them to remove the reporting errors since they reported the same debt multiple times. They refused to remove the errors and I advised I would seek consultation. I attempted to contact again the same day in attempts to speak to someone else to resolve, and an agent hung up on me when I asked if their calls were recorded. I called again and they advised they could not speak to me, even though I have no legal representation. I again asked if their calls are recorded and they told me no. 

My issue is the reporting multiple times within the same month for a debt totaling {$160.00}. They are within violation of FDCPA in reporting the same debt multiple times on a weekly basis. 

I request intervention to investigate this issue and seek resolution in their error and for all reporting to be removed. It is a small debt I was unaware of and will certainly pay. However, it has hit my credit EVERY week causing far more damage. 

Kindly investigate this issue with Credit Collections USA. # 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 2018-03-06
Company: SYNCHRONY FINANCIAL
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:
cra hippa inaccurate information not mine

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.

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 2020-05-14
Company: Braviant Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or around XX/XX/2020, I took out a loan with Balance Credit. I did this online with limited ability to confirm my information or see the full documents as increasing the size of the content on the documents wasnt available. On XX/XX/XXXX, I was informed by my employer that I would be laid off due to Covid-19. I contacted Balance Credit several times to ask about payment arrangements and to explain my current situation. I finally was able to contact customer service and tried to get some resolution to help with my current situation. I was told I could defer one payment but interest would continue. I asked what interest would be for the one payment ( 14 day deferred ) and was shocked to find out that the interest would be the amount of the actual payment {$220.00} for 14 days on a {$2400.00} loan. During the deferred 14 days, I received several calls a day everyday. I finally took a call from Balance Credit, only to find out my new balance was now over {$2800.00} and they wanted 2 payments approximately {$450.00}. I again asked that if I paid {$450.00}, what would be balance be, and was told it would now be about the same, {$2800.00}. What?? I was advised that my payments were only covering interest. How can they charge 200 % plus in interest and other fees? I feel that one, this loan was done over the internet without the ability to see the documents in larger font, and two this should be considered predatory lending. I cant afford this interest rate. Balance Credit is charging consumers interest and fees that are abusive and grossly inflated. Who protects the consumer? A loan with no end and to do this during the worst financial disaster since the Great Depression!! I now know why you are unable to see or change your application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
XXXX took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called XXXX back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ XXXX he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.

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 2020-05-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing In XXXX, after dealing with them since XXXX, stated that they would not sign a security interest document ( I did not need a partial release ) until one year of payment citing " guidelines '' ( after they agreed to sign this document several times, passing me to several different departments and citing excuses ranging from lost notary stamp, manager not in, needing my trust, etc etc ) in order to get my one parcel split into 3. 

I then paid off my loan, in full, on XX/XX/XXXX. They have acknowledge the payment, I have received a letter saying it was paid, received my refund for overpayment, but have not received the reconveyence ( Lien release ). Each time I call, a manger gives me a different time frame. I have called at least once a week since XX/XX/XXXX. I was told 2 weeks, 45 days, that it was mailed XX/XX/XXXX, then mailed XX/XX/XXXX. Now I'm being told that to process the lien release will take up to 120 days. 

At this point, my map expires XX/XX/XXXX. Due to the 9 months of inaccurate info, I will not only have damages in excess of 10K for the map, but also two cancelled escrow in excessive of 300k as well as the penalty of taking the money out of retirement to pay off the home. I was originally told that once I paid the home off, I would get the release in 2 weeks. The inaccurate information they are giving clients is atrocious. 

I have emails and have logged the dates of my calls if further info is needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the company swveral times via certified mail in XXXX XXXX, XXXX, regarding Inquiries that were not recognizable. I also previously submitted a complaint through cfpb and the response I got was un-satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from TransUnion regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done 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 2020-05-14
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/20 - I called Conn 's to request information about my account balance ( {$5000.00} ) and receiving a credit for an Insurance cancellation I submitted. The store representative applied insurance without my approval or informing of the process. The representative stated it takes 5-7 business days to process. On XX/XX/20 I checked online with my account and Conn 's website service only provides a current balance and payment amount due. There is no details on what is applied as principal and/or interest when payments are made. There is no payment history recorded. I called Conn 's the same day ( afternoon ) and requested my account balance ; they read a different balance ( {$9000.00} with interest ) that did not match the online website. I have the recorded call on file. They still have not applied my credit nor will they advise on a status. They transferring me around to different department/people. I asked how can I see details on my account payment history and the representative stated they do not offer this service and customers have to call each time to request a copy. I requested a copy by email, but nothing was sent. This company does not send monthly statements to customers to indicate what their account is, their online account service does not provide much detail and you have to call each time, but nothing is sent. Have to call again. Companies should provide this information to customers. We have the right to know what we are being charged monthly, where are payment is applied and other information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the company swveral times via certified mail in XXXX XXXX, XXXX, regarding Inquiries that were not recognizable. I also previously submitted a complaint through cfpb and the response I got was un-satisfactory.

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 2021-01-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX to XX/XX/XXXX Amounts {$4500.00} The company said they would try to email the wire team to try to get my money back, but I feel the need to complain because they ignored my complain over phone, I told them that I have asked the costumer services more than two times and they never mentioned once about my account safety. For that, I recalled all the things about this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Bread Financial Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This company sends a statement with billing info included once a month on the XXXX via email. That is their only correspondence with the consumer. My bill is due the XXXX of every month, and I did not pay until the XXXX because I was not notified of my payment being late. When I spoke to a customer representative she told me that they only communicate via the statement sent every month, but they do not communicate via phone or email after the due date has passed. The only time they communicate in those methods is when you are approaching the 30 days past due time frame to be reported to a credit bureau. This lapse in communication does not keep consumers reminded of their payments. Not to mention the statement she is referring to that is sent monthly on the XXXX is sent after the bill is paid the XXXX. So how can someone be notified if a payment is late by statement via email if the statement is sent out after the due date of the bill?

Company response to consumer: Closed with explanation