BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
At XXXX hours on XXXX XX/XX/2019, I called Credit Acceptance and spoke with XXXX. She made contact with XXXX. She turned the call over to XXXX and my counselor, XXXX XXXX and I tried to make a payment of {$100.00}. XXXX repeatedly ignored our request to take a payment of {$100.00} telling us that he needs {$250.00} down payment and payments of {$150.00} per month. My counselor explained that it was not in my budget to do so but he continued to threaten legal action. My counselor asked XXXX if he or anyone else could take my payment of {$100.00} and he said no. He would not take my payment.

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 2018-09-24
Company: Reliant Capital Solutions, LLC
State: FL
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:
I contacted the university i graduated from to purchase a new copy of my diploma with my updated last name. The university sent me an email shortly after stating my account was in collections and they could not honor my request. They sent me the name of the collections company that owned the account, XXXX. I contacted the number provided, XXXX ( XXXX ) XXXX, and was told by a representative that she could not access the account but she did see the chapter XXXX bankruptcy information added. She then provided another number XXXX, and a gentleman tried to contact my account owner but was unable to access the account as well. He provided me with the VP name and number, XXXX XXXX at then told me to contact her directly for status update. 

I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

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 2019-10-22
Company: MID-ISLAND MORTGAGE CORP.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Earlier this year I fell behind on my mortgage payments. For the past few moths I have been trying to work with the bank on a loan modification. First after receiving the letter that my application was complete and no foreclosure proceedings would be initiated, I received a letter from a law firm stating they were starting foreclosure proceedings. I mailed the law firm a letter as well as calling them and have not received a response. I have been submitting the requested documents as they ask. The documentation the bank has been requesting is repetitive in nature and they wast things explained that I have already explained. They seem to be dragging this out on purpose. I have been trying to contact someone at the bank without success. I have left voicemail messages and emails without any callback or reply. The only person I was able to get on the phone on Friday XX/XX/XXXX stated that they are not authorized to speak to me. However they were helpful in giving me phone numbers for FHA. The only contact I have have had with the bank is when they send letters asking for more documentation. The latest documentation they requested by letter was received by me in early XXXX and dated XX/XX/2019 giving me 30 days to comply. I sent the requested documents certified mail which was received by them on XX/XX/XXXX according to the postal service. 
Then, this past Sunday XX/XX/XXXX a strange man showed up at my house around noontime, banged on the door which frightened my wife and XXXX small children. I came running and found that it was a man stating that he was there on behalf of the bank to check the property and take pictures. This seemed like harassment or intimidation on behalf of the bank to me. In this day and age of more frequent home invasions and child abductions, this really frightened my wife. 
I have attached relevant documents, but this is not all the documents I have or have provided for the bank. I have sent the required forms as well as bank statements, pay stubs, spreadsheets detailing my families expenses, HSA tax form and document from health insurance detailing our high deductible plan. I can provide further detail and documentation if you require. 

Mid Island Mortgage Corp XXXX XX/XX/XXXXXXXX XXXX, NJ XXXX I have been leaving messages with XXXX @ XXXX email Miss XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Investigation took more than 30 days

Complaint:
I have been working with XXXX XXXX since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. XXXX XX/XX/XXXX admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with XXXX XX/XX/XXXX, Loss Containment, Credit Dispute, Customer Service, and their Regulatory Risk  Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.

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 2023-04-03
Company: Chime Financial Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was charge two times over a few minutes for {$23.00} approximately 3 months ago. Within hour of charge I called Chime and reported it as Fraud. They advised I had to wait till it processed before I could dispute. I said it was fraud. They took two months to return my money, then approximately 30 days later they reversed the credit and said it was authorized. I called them back and talked to four people they said I need to refile dispute and wait again. I used a XXXX XXXXXXXX  XXXX and believe all my charges and im fraud protected. Chime not being a brick and mortar bank has different rules. I want to be credited immediately and I want to charge them by the hour for time wasted due to there bad faith in solving this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2017-12-12
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX I opened a complaint XXXX with regard to Pro Collections and the original creditor XXXX XXXX Apartments ( see complaint for detail ). That same day I received the companies response " We will request the proof of the debt and mail to the consumer. The consumer can contact our office at toll free XXXX my extension is XXXX XXXX XXXX for additional assistance in this matter Thank you for your time and patience in this matter '' I called XXXX XXXX on XXXX XXXX for additional assistance as per her response to CFPB. When I explained the situation she lashed out and told me she is a bill collector, and not a customer service rep. She then proceeded to berate me, and told me that I needed to have my proof to her by XXXX XXXX. I told her I did not understand what she needed, and what and where should I send it to. I was very confused because per her response to CFPB,, I thought she was going to get information from the creditor. She continued to speak in a threatening tone throughout our conversation. At that time I asked to speak to her supervisor. She told me his name was XXXX XXXX and she had no intention of transferring me to him. I asked her why she would respond to the CFPB with one response, and give me a completely different one. She then hung up. I know this call was recorded, and I can not believe that even a " bill collector '' would talk to someone the way she spoke to me. I see that there are numerous complaints on the CFPB board about Pro Collections. I feel that they are threatening, dishonest and abusive. I am filing this complaint about XXXX XXXX and Pro Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault

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 2021-04-28
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe that do to my senior age and veteran clearly discrimination. Falling to honor there promising XXXX and XXXX house payment home appraisal quicken loans as failed to go thou with loan should fallow thou with promises {$3.00} XXXX dollars a year for 30 years.This complaint is about Quicken Loans primmest me XXXX and XXXX house payment plus to have a lower interest rate plus to save over, I was told I was approved for the loan did all the paper work via e singular went all the way up to closing. And has failed to tell me why. 

Quicken Loans www.quickenloans.com Visit site Thank you for working with us! 
XXXX / Inbox XXXX XXXX from Quicken Loans XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XXXX XXXX Solution Consultant XXXX Phone : ( XXXX ) XXXX ext. XXXX Fax : ( XXXX ) XXXX ( Please reference your loan number on the cover sheet ) NMLS # XXXX XXXX XXXX XXXX would like to start a support session with you. To do so, please click on the link below and follow the online instructions. 

XXXX XXXX XXXX  XXXX Quicken Loans remote support enables a team member to view your screen in order to assist you. Session traffic is fully encrypted to protect your system 's data. Once a session has begun, you will be able to end it at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I canceled my Chase XXXX Credit Card on XX/XX/XXXX. I called a Customer Service representative at Chase on XX/XX/XXXX and asked if I canceled on XX/XX/XXXX, would I qualify for the XXXX points on my XXXX XXXX mileage plus account for making {$10000.00}. in purchases from XX/XX/XXXX to XX/XX/XXXX as outlined in Chase 's cancellation statement. I was told yes. I never received the points and at first was told it could take 2 months to post. When I called in XXXX I was told I did not qualify. On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, XXXX XXXX Chase and made my case. A representative from the XXXX 's office of XXXX XXXX XXXX?, called on XX/XX/XXXX and said that while I did receive the above information on XX/XX/XXXX, it was incorrect and that employee is in coaching. Additionally, even though I was told my process was correct, I would not receive the points because I should have read the contract I signed in XXXX to see I had to wait until end of period. Hello, that's why I called on XX/XX/XXXX. 

I asked XXXX? to put his determination in writing and I have never received it. ( Almost XXXX months ago )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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:
XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation. XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.

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 2020-01-28
Company: EQUIFAX, INC.
State: OK
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have sent you several complaints regarding EQUIFAX and all I ever get from them are form letters asking me to PAY them for my report when I shouldn't have to. They haven't answered any of my questions and frankly neither has your department. All you seem to do is pass on my complaint to them without investigating why no action has been taken. The government bureaus have no teeth nor are any bit concerned with corrective attempts at resolutions. And the Credit Bureaus really don't care either. They pile up record profits selling our personal information with the blessing of the U.S. Government. 
LET 'S JUST FORGET THAT I EVER CONTACTED YOU OR THEM. PERIOD!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: World Acceptance Corporation
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
World Finance Needs to remove incorrect information from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Capitol One not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This agency refused to delete this debt after several times requesting validation from this agency. No replies no answers. This agency claims I owe money to them from a debt they can't even validate. The statute of limitation in the state of Florida is 5 years for debt collection they also failed to validate. They also failed to show documentation I owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt owed was from my brother who passed away XX/XX/2018 and I told XXXX  XXXX that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against 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 2018-09-24
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I work as an XXXX XXXX XXXX XXXX for my daugther, who was in the Intensive care unit at XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. When my daughter is hospitalized I do not get paid. After being in the hospital for a month I signed an Opp loan for {$2600.00}. From XX/XX/XXXX to XX/XX/XXXX I have paid them over {$3600.00}. Today they tell me that I owe them {$2800.00}. I just made a payment for {$210.00} That I am placing a Stop payment on. I was never told the INTEREST RATE OF 160 % THAT IS ACTUALLY OVER 430 % APR.

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