BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax sent me a credit file on the XX/XX/2019, I submitted on the next day Disputes and then Resubmitted again when I was not notified of the original disputes results. I filled with FTC and my local authorities and the creditors and credit companies XXXX, Equifax, XXXX, and XXXX. XXXX has already finished up all the disputes and items were removed from my report. I have and will up load them with this complaint the confirmation fax and certified mail confirmation of received mail from XXXX office where i faxed from and the US post office where I sent the certified letter from. I have called numerous times with disbelief about the whereabouts of my personal documents. I a Identity theft victim already and it seems like its happening once again. The thirty days the said before it up today for the re-disputed items and they have said repeatedly that all they have is incomplete information sent XX/XX/2019 via fax. They are still furnishing information that is incorrect and the results of identity theft. I have been turned down for Jobs I've waited to interview for six months previously and lost out due to not being notified of results that i could have informed my future employer and would have been permitted to have a interview at a later date. I lost my Job due to this as well and i am not able to receive state assistance due to this. I can not apply for credit or services or goods as well. My basic living situation is in turmoil due to the results of identity theft and it's worse when you do everything to fix the effects of identity theft and run into an unfair situation with a Credit Reporting Co. and your the Rights you think you have isn't so true. As i read the FCRA and notice to Furnishers of information ; Obligations of Furnishers under the FRCA. The 611, 609 ( e ) and I really feel as if them Rights have been violated by Equifax although I am not for sure I knew the right thing to do is contact the CFPD and file another complaint. The complaint on file now for Equifax has yet to be replied to from CFPD to Equifax. So I can only hope that they take this complaint seriously and reply to the complaint or notify me that my Documents have been received and that they will do what they were sent for with my documents and protect and secure my personal information that I paid to send. This matter is very serious as it involves Identity Theft. I am afraid at this very moment for my personal information is in the wrong hands due to Equifax and past events within there company. Respectfully, I'm afraid I need help please help me CFPD!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was sold to PHH mortgage fro. XXXX and subsequently the new company changed my name from XXXX XXXX to XXXX XXXX. Every time I call of course its a problem since its two different names. I have no identification with the name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was told my interest rates would be low and I wasn't told about a Principal and I was told with each electronic payment from my bank account the payment would be subtracted from the amount I owe. I requested for a {$10000.00} loan but all I received was {$9400.00} and they started billing me for {$10000.00}. Every month since it was started they take out {$390.00} from my bank account. I went online to check my balance and it had not went down but up. I called to ask what was going on and the person I spoke to could not tell me why and he also could not tell me why I did not receive the whole amount I had initially asked for, but they are having me to pay for {$10000.00} loan. I have paid three times on this loan of {$390.00} and the next payment is XX/XX/2018 that they will be taking out of my bank account. I was lied to and they are just draining me out of my money at this point what they are doing I will never be able to pay off this loan. I am so tired of getting the run around. Car note loans, Students etc never raise the balance after you pay on them but this company is not fair taking my money and continuing to raise the balance. It was suppose to be a fixed rate of 4.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
While I was still making payments, XXXX alleged that I stopped making payments and sought foreclosure. XXXX XXXX XXXX XXXX is now foreclosing on me using the wrong information supplied by XXXX and Seterus.

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 2022-08-16
Company: EQUIFAX, INC.
State: KS
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There are two issues, 1 ) GM Financial migrated their payment system to a new platform. There were significant challenges and it was confusing and this created issues with accessing the site and making payments. The CEO indicated they would not report late payments, but they did. I have a 30-day late on my credit report and GM Financial has refused to update my credit report. 

2 ) I decided to pay my lease off in XXXX ; I have no desire to ever do business with them - I simply wanted them out of my life. I made a payment over the amount due. I verified on my next statement, XXXX and confirmed, there were " zero remaining payments '' on my lease and XXXX amount was due.I decided to check XXXX, because I've been bamboozled by them in the past. The landing page showed two different amounts due and the statement showed I had another payment. I contacted GM Financial via chat. The rep refused to explain why my statement in XXXX said I had XXXX remaining and had no explanation for the other two amounts. She insisted I just pay the {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At The Beginning Of The Year I Had A collection placed on on 3 bureaus from a 3 party Debt collection agency! 

I dug into it to figure out what it was & it was from a telephone company ( XXXX XXXX ) To an address in Louisiana! 

Ive Never lived in Louisiana XXXX XXXX XXXX Doesnt Even Service Texas From the research Ive done, so how could I possibly own this debt Debt Is For {$2400.00}! 

I deputed it & filed a police report with the XXXX, Texas police department & it was removed once the credit bureaus discovered it was fraudulent! 

Just yesterday it popped up on my credit again, but know through a different 3 party collection agency! 

New Agency : XXXX XXXX XXXX I WOULD REALLY LOVE TO FIGURE OUT IF I CAN RID OF THE FRAUDULENT ACTIVITY!

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 2022-08-16
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
While searching for an apartment I was contacted by an individual named XXXX XXXX I now know to be impersonating a leasing agent. They claimed to be from XXXX XXXX XXXX. They sent me photos of an apartment, sent me leasing information, and an application. I filled out the application ( see attached ) and asked if I could tour the apartment. They told me it was unavailable to tour until the current tenant moved out. They encouraged me to sign a lease anyway as they had lots of interest in the property. The housing market where I live is incredibly competitive so I believed them and moved forward with the process. I received a pretty believable lease and was asked to send a security deposit ( {$550.00} ) and 1 month 's rent ( {$700.00} ) via Zelle on XX/XX/XXXX. I started feeling bad after sending the first month 's rent ( payment confirmation attached ) and asked to see the apartment before sending the rest of the money. I received no response. After a while, I realized I had been scammed. I told them I knew they were falsifying information and demanded my money back. The person I had been corresponding with unsent all their messages, luckily I have screenshots. As far as I'm aware the company has taken no action, I immediately reported the scam to my bank ( XXXX ) which refused to reverse the transaction as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has discriminatory practices. They do not allow for cash deposits with change at their XXXX, TX branches. I went into the branch to make a cash deposit of {$26.00} to bring my account current. This is ridiculous that any bank rejects cash deposits like this. What federal law allows banks to rejects monies like this? Where are the federal laws and regulations that allow this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer from my Chase account to an international account. It's been two weeks and the funds still are not credited. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TX
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 am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. Under which they have violated my consumer rights multiple times. I demand the accounts listed below be removed According to 15 USC 1681 which states : I have the right to privacy and I did not give Equifax written permission to furnish these XXXX 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 2017-07-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have one private loan along with Federal Stanford loans. When I asked if I could reduce the interest rate or reduce payments I was to, d that I could not change the terms. I was transferred around and really given the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan was in forbearance due to impact from Covid 19 and on a repayment plan with XXXX Mortgage who sold my loan to Community Loan Servicing in XX/XX/2021. I immediately contacted this new company to make sure everything had transferred properly and was forced to set up a new payment arrangement as the previous agreement did not transfer. After numerous hours and phone calls, I was led to believe that everything was in place and my account would not be delinquent with this new payment arrangement. I even received documentation stating I was on a repayment plan. However, it has since been reported 30 Days past due as of this month XXXX XXXX XXXX and my credit took a hit. I called to get this corrected, spoke with a rep only to be escalated, as Community Loan Servicing would not take responsibility for this issue. They repeatedly said that a repayment plan was not coverage for credit reporting though I was lead to believe so in all previous communications. They acknowledged my loan came from XXXX Mortgage in forbearance, and would look at backdating my current account with their own forbearance, but made no attempt to settle the credit issue. They gave no specific timeline on any resolution nor any promise that future credit reporting would not be negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXX XXXX  Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND TRANSUNION Amount : {$7800.00} REPORTED BY XXXX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL 3 CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have 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 : 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 non-monetary relief
Consumer complaint received 2018-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DearSir/Madam, I did a mortgage modification with the XXXX XXXX at XXXX and started making my regular payments every month on time. On XX/XX/XXXX when I went to the XXXX XXXX to make mortgage payment for that month I was told that my mortgage was took over by The Select Portfolio Servicing and I needed to make the payments to them starting that month, XX/XX/XXXX. I called the Select Portfolio Servicing phone number that was provided to me by the XXXX XXXX so I could make the arrange payments. After I spoke to a Select Portfolio Servicing agent who stated that they were told that I didn't pay my last 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  After that false accusation I thought it was a mistake on their end and I spoke with one of their supervisor, who stated the same accusation and told me he would close the case if I could fax him the XXXX XXXX statements which they should have already received them from the XXXX XXXX   when they took over my mortgage. Not only the statements but I also sent them the copies of the payments slips including those months they accused of me not paying. Each time after I faxed those documents to the Select Portfolio Servicing, inc. with the confirmation for the fax, they kept denying and telling me they didn't receive it. after the modification I always made my payments on time to the XXXX XXXX and to the Select Portfolio Servicing after they took over my mortgage on XX/XX/XXXX. Each time I called to Select Portfolio Servicing for the payments over the phone using my checking information, I was always subject of their allegations and harassment, not only that also getting harassing phone calls numerous times every day for years, receiving letters of their false accusations with threaten me to lose my house, messing up my credit with their default claims since the XX/XX/XXXX, for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments I already paid on time and faxed them the copies of the payments slips and the former mortgage company ( XXXX XXXX ) statements. I got so tired and frustrated of this false allegations and started doing 3 months auto payments in one time so I didn't have to deal with their lies every month. When I called them again to make 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX at XXXX eastern time, I spoke to their agent XXXX XXXX XXXX who stated that she can't process my next 3 months payments because my house is on foreclosure and handling by the attorney named XXXX XXXX with the phone number XXXX XXXX XXXX. as a results of the intentional wrongdoings of Select Portfolio Servicing for almost last 5 years I am at the edge of loosing my house, my health and damaged my credit severely. I am respectfully asking you to bring the justice to this case and taking necessary punitive actions for this company. Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a new XXXX XXXX from XXXX XXXX in XXXX XXXX, IL on XX/XX/XXXX which I financed through Hyundai Motor Finance. In XX/XX/XXXX, I paid off this loan. To date, I have not received my title, release of lien or any other payoff documents. 

I have made multiple calls to the customer service reps without who always say they will send an email to their title department, but never get any response. I have also spoken with three different supervisors who told me they have the power to get this resolved, but they are ineffectual. 

It has been nearly 8 MONTHS since my vehicle was payed off without receiving my title and other documentation. I want to sell the vehicle, but I cant due to HMFs inability to deliver my documentation. 

I am hoping you can provide assistance in resolving this matter.

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 2020-04-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i deposited XXXX from my chase account to my TDbank account by depositing a check in drive thru, to my shock the next day my account was frozen. 
Tried to reach TD by phone several times last week, after holding for almost an hour each time phone was disconnected. 
On XX/XX/XXXX finally reached customer service after 2 hours of holding the phone, abruptly transferred to fraud unit who verified all the info and promised to lift the freeze from my account within 24-48 hrs. which has still not happened, i have spent almost 4 hours on the phone today wed. XX/XX/XXXX and no one can help. 
Meantime i am unable to access my account and missing many transections -deposit and withdrwals for which i want TD bank to be responsible for compensating me for my losses. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
After XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian failed to provided any copies of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Experian failed to delete the UNVERIFIED items. 
XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief