BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: AL
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:
Called creditor also called XXXX Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from

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 2021-07-09
Company: Experian Information Solutions Inc.
State: NJ
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:
I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : 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 2023-02-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a XXXX dollar check on XX/XX/23 from a customer I did a job for. I expected to have a two week hold on the check but after the two weeks we're up I wasn't able to use my debit card and I went to the bank and they told me they closed my account and had a fraud hold put on the check it has been on it since the XXXX and they told me today that it could be another 90 days until I get the hold lifted for suspected fraud. I talked to the customer and the funds have already been taken out of her account and the check cleared on her end but regions bank will not lift the hold for me to withdrawal any of my money or give me any kind of solutions other than they are working on it

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 2018-10-12
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my job in XXXX and applied for a loan modification which was granted, I was to have the XXXX payment skipped and would start with a slightly larger monthly payment in XXXX. DiTech took the XXXX payment out of my account causing XXXX $ in overdraft fees. I attempted 6 times to rectify this issue without results. My husband also attempted several times to resolve this issue. XXXX payment was taken from the wrong account causing another XXXX $ fee. I spent over 2 & 1/2 hours on the phone trying to clear this up. Our account stayed overdrawn for several weeks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation.

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 2018-04-08
Company: CITIBANK, N.A.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX we notified Cit that we were planning to file for bankruptcy, but intended to continue to make payments on the two student loans we had with them, after the bankruptcy was complete, per our lawyer, as they did not qualify for discharge. Citi did not agree to any delays in payment and immediately put the loans in default status and referred them to collections even though we had not missed any payments at that time. The first company that contacted us to collect on the loans was XXXX XXXX. We agreed to a payment plan and made all payments on time, but were never given statements or balances due after multiple requests by phone and in writing. In late XX/XX/XXXX or early XX/XX/XXXX, we received information by mail that Citi had sold our loans and we would receive further instructions from the new company. We did not receive further instructions so we continued to make payments to XXXX XXXX. Eventually XXXX XXXX stopped accepting our payments. We called several times and sent written requests for more information, including the last request that was sent via certified mail in XX/XX/XXXX. The certified letter was signed for, but no response was ever received. After not receiving any requests for payment from anybody, we contacted Citi for further instructions. Citi explained that the loans were in the process of being sold and/or reassigned to other companies. At this point we were instructed to send payment for one loan directly to Citi in XXXX XXXX, SD, and the other to XXXX XXXX, XXXX out of XXXX, FL. We then requested a payment history and current balances from Citi. We received a payment history for each loan that only went back to XX/XX/XXXX. Not only is this information incomplete since we made payments since XX/XX/XXXX ( and before the bankruptcy ), but it is also not correct. We sent exactly {$40.00} to each loan every month since the bankruptcy and that is not reflected in the short history that was provided. Lastly, we sent the amount specified by Citi ( with a copy of the letter from Citi ) to pay off one of the loans in XX/XX/XXXX, along with a request for verification that this loan had a balance due of XXXX dollars. As of today, XX/XX/XXXX, they still have not cashed this payment. We received a voicemail from Citi stating that they had questions about our request shortly after we made that payment. We have tried to contact them several times at the number given and they have not returned our phone calls or responded by mail.

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 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was checking to get a lower interest rate I ha a 19.9 % interest rate for a car that cost XXXX  with capital one for 72 months at XXXX  a month since XXXX 2017 ... ..so i began looking into refinance at a lower interest rate .... I was amazed to see that capital one was listed who I already have been paying for 12 months which I only have 60 months of payments left yet they were offering me a lower int rate of 8.79 % for another 72 months ... .. I believe this is unethical and illegal to add the 12 months I already paid start me with a new loan and its office collect an additional XXXX in interest. I request that capital one lower my interest rate to 4 or 5 % for a term of 60 months due to its unfair and unethical lending practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : ONEMAIN FINANCIAL, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a student loan account from Navient that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from XXXX  without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX did their due diligence and deleted the account - I sent XXXX proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from Navient. I NEVER put my signature on a promissory note for an account from Navient. I challenge XXXX to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. XXXX holds a lot of power over consumers and it is their duty to contact data furnishers like Navient to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MI
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the letter Citibank sent me on XX/XX/2023, it says " we have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. we no longer have any additional resource to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation is now closed. 

The letter mentioned above didnt really provide an explanation why the merchants declination is legit. Ive provided with Citibank all the supporting documents to prove my dispute is reasonable and grounded. If merchant can simply be not willing to issue credit without good cause, how can the consumer interest gets protected in the dispute process?

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX of XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor XXXX, Transunion, or Experian consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted 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 2019-04-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my Equifax credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX XXXX   XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to Equifax. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company. 

At this time I will also inform you that your office reporting invalidated information to to Equifax constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a returning customer to Carhop UAC XXXX, MN. I leased a XXXX XXXX XXXX from them in XX/XX/XXXX. The car was having electrical problems all the time. I was always getting fuses. In XX/XX/XXXX, I started hearing cranking and dragging noises. After talking to XXXX, ex-mgr of the Carhop, I took my vehicle to a Carhop approved contracted auto repair shop. All of the brakes, brake lines, axle, wheel bearings, control arms, electrical/fuses problems, etc. was wrong with the car. I paid {$600.00} and XXXX paid the rest of the {$1300.00} repair bill. The car continued to breakdown. Once I was left on one of Minnesotas 's  busiest highways, close to the twin cities, during a snowstorm, with children in the car. If it weren't for MNDot, pushing my car off the road, I probably would've caused a terrible accident. The  mechanics contracted through Carhop said that I should've never leased this car. In XX/XX/XXXX, the same noises again. I believe the repairs were only partially done to kill the noises but we're not done completely. I was told by the owner of the repair shop, that after I paid another additional {$1300.00}, that I would be reimbursed by the repair shop or Carhop. After talking to the new manager of  Carhop, XXXX, I was told they would look into it. I have children I need my car. Plus the mechanics agreed with me, that this was duplicate repairs that were not done in XX/XX/XXXX. Carhop and the mechanic shop played the blame game against each other for months while I just waited making my car payments and constantly breaking down. In XX/XX/XXXX, same noises again. This time I realized that the driver side back brake line was sealed off. That brake line was clogged. And the inner brake pad was not there. The mechanics did not put a brake pad on the inner back driver side tire. The same mechanic wanted to charge me again, for duplicate repairs. I was never reimbursed my money from either companies and in XX/XX/XXXX, my vehicle was repossessed for non-payment of my car. From the time I received that car until it was repossessed, I have been spending money to keep that car together. Electrical issues were within the first month and I was told by Carhop 's mechanics that they were just fuses. Well if it was just fuses, XXXX and XXXX knows me pretty well. Now, all I get are rude, arrogant, unprofessional calls from Carhop UAC finance asking for the remaining balance on a car they illegally repossessed and threats of damage to my credit reports. I just received a call today, from XXXX. The district manager of Carhops in Minnesota. She was the worst. I can't wait til the hand that rocks the cradle hits this company, especially after everything that was done to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I told a loan # XXXX I fell behind on my mortgage I file for loan modifications they were supposed to take {$25000.00} off the loan they never did XXXX of XXXX I file for bankruptcy the bill was {$190000.00} on the loan.i sold the house I had to pay XXXX XXXX needs to know why went up {$70000.00} within 2 years please have them detailed so I can understand because it doesn't look right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent in a credit dispute to Equifax over items along with my student loan information on XX/XX/21, the credit agency took off the current status of the accounts being in good standing and placed it as unknown. Left on the late payments, that was not true. The credit report for the XXXX student loans should show current and in good status for all months. It is not reporting accurately. Also I disputed the inquiries that I have no knowledge of and still have not had those inquiries removed. The inquiries should be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen loan Servicing is dual tracking a short sale. There has been an offer on this property since XXXX XXXXXXXX. They have repeatedly asked for updated documents from the buyer, borrower and real etstae agent. Now they have put up a foreclosure sale date for XXXX XXXXXXXX.

Company response to consumer: Closed with explanation