BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I purchased a motorcycle online with Chime debit card for XXXX. I realized that shipping would be delayed because of pandemic so I immediately cancelled the order the same day. I got a email stating order was cancelled and refunded. Chime made me fill out disputed transaction paper. I filed the paper along with all the messages from XXXX company verifying cancelled order and since then I have gotten the run aroundsome say they dont have the transaction some say they do and the emails keep coming saying they are working on I cant get a straight answer and that are stonewalling please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is a Bankruptcy on my credit that is not mine. Please remove this bankruptcy immediately as I have never filed bankruptcy and it is only reporting on my transunion credit report. Please this inaccurate information.

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 2021-10-18
Company: New Century Auto Sales, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
In XX/XX/2021 I purchased a vehicle from RightWay in XXXX Michigan, I traded in my Jeep, they offered XXXX towards the purchase of the new used vehicle. On day 3 I went to RightWay and told them there are some serious issues, the car shook going 35 or higher, when when trying drive from a stop or trying to pass the car may or may not go and the RPMs will rev, so you turn or pass at your own risk, when the car does engage it will lurch forward. The RPMs rev at random times while driving. The right front tire wobbled. RightWay agreed to pay for everything wrong with the vehicle for which I was satisfied. Then I discovered the vehicle had been in an accident and from the 2 days of driving the front bumper was separating from the frame and a crack in the bumper became visible. They werent going to replace the bumper so I said I want to return the vehicle, they said to bring it in and they will give a full refund. They said the transaction would be reversed as if it never happened. So I brought it in, they started the paperwork, they said since they paid my loan off XXXX of course would have to get another loan for what I originally owed on my Jeep before all this happened which was XXXX dollars, so okay no problem. My mistake I signed all the paperwork to repurchase my XXXX without reading what I was signing. I was told my payment is going to be the same as it was before XXXX $ a month, they sold me an extended warranty for 4 more dollars XXXX $ a month. I was told my loan was through XXXX XXXX and XXXX be getting the paperwork in the mail. What I got in the mail was 2 letters from XXXX XXXX saying thank you for your interest in a loan and showed my credit score with an explanation of how to improve it, so I dont even know if the loan went through, I received 3 of these. I then received the application for Michigan title and registration which XXXX XXXX is listed as First Secured Interest, under that the purchase price of vehicle XXXX. I was flabbergasted, this transaction never happened yet they are charging me XXXX dollars to buy my XXXX back when I only owe XXXX. They never sold me the car, I never traded in my XXXX, yet they are charging me XXXX more. This is not right, and now I dont know if the loan went through so can they technically repo my own XXXX? This is wrong on so many levels and I dont know what to do. I just want to pay what I owed on the XXXX. Im a veteran, Im on XXXX, I dont have the money to get a lawyer for this, Im just sick about this. I dont know how I got in this mess I dont understand, I cant lose my only form of transportation, I would appreciate any help at all. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: UT
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 have a creditor, XXXX Financial, reporting to all three credit bureaus that I have some sort of debt.If I ask for the details on this debt, the can not provide me any information as it belongs to a company I used to work at, and apparently not to me. 

Over the last year or so, this debt has shown up on my credit profile. In addition, it is associated with an address I have never lived at, the creditor says the debt is associated with the address. However I have never lived at that address. So even though I am not on the debt and not associated with the address, I am still seeing it on my credit reports. 

I have disputed with all three credit bureaus. It typically disappears for a short while but then reappears because they say it is associated with the address. Unfortunately I can not dispute the address because they say it is associated with someone reporting on my credit. 

It is a endless cycle. I can not remove the address because of the debt. Removing the debt ends up reassociating because of the address. Even disputing the address after removing the debt fails because it does not give them time to finish an investigation into removing the address by the bureaus before it is stopped because the debt pops back up. 

As for the debt itself, I can not get any information as information does not match on the debt. I no longer work for the other company, but even then if it is not mine, then it shouldn't be on my report. 

Can someone please help me get this resolved. Bureaus point to the creditor. Creditor points to the bureau. Any assistance would be appreciated. I can't seem to get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper 's ( Nationstar Mortgage LLC ) claims they are legally required to only accept cashiers checks of wire transfers to pay of a mortgage. I requested to pay off a loan with a remaining balance of XXXX with a personal chaeck and told them I was willing to waint until the check cleared for the pay off to be finalized. I also told them that my financial instituion requirres me to travel to a distant branch office to obtain a cashiers check or wire transfer. I explained that my health and the current covid crisis prevents me form such travel and entering the branch office. 
I even aslked them to cite the law that is the pretext for not accepting personal checks and they referenced the feeral laws requiring institutions that requie reporting of 10000 transactions. When I pointed our that this law is a reporting obligation no t a prohibition, they then admitted that the restriction is a Mr. Cooper 's policy. 
My first complaint is that Mr. Cooper ; s continues requiring me to pay interest on a loan that I have made every reasonable effort to pay off. My second complaint is that Mr. Coopers is not making reasonable efforts to accomodsate cutomers affected by the Covid crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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:
I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
your law firm is in violation of the fair debt collection practice act, and that violation robs the court of jurisdiction in this action against me. Any further drama in court over this matter will place the court, and the Judge in a position to share the civil liability with your unlicensed debt collection law firm. The fair debt collection practice act mandates debt collector law firms must have a license to collect debts, they must have a bond, and they must be registered with the Attorney General for the State they are attempting to collect in. Your law firm does not meet these legal requirements necessary to lawfully collect a debt in my State, and therefore has no legal authority to harass me. 
The fact this debt was charged off the original corporations books, claimed on their taxes and written off as an insurance loss gives rise to the appearance of R.I.C.O. The contract in dispute was not with your debt collection corporation, and therefore you have no legal standing to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capitol one, restricted use of my secured line credit card without any reason or prior notice, after calling in and advising them that the card was not working they then said they were unable to provide me any information and transferred me to Fraud, after trying to get proof of the reasoning behind the restriction. 

I even advised that they are violating my rights according to FCRA. 

A consumer has a right to obtain all of the information in their own file. Consumers have a right to contest inaccurate information. 

I then advised them that I can verify every single transaction made and why was the card restricted they were unable to answer the question. I have spoken to almost 10 supervisors and who have provided me 1 simple reason and now my credit score is being affected due to them failing to accept payments and or mail me an updated statement as requested to completely close the secured lines they refuse and will not send me a bill but theres {$250.00} remaining on my credit report. This is unfair reporting allow me the opportunity to resolve my debt and cease all communication and update my report is all I asked or I will seek damages and reimbursement of all legal fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am on a XXXX XXXX XXXX Subsidy and I have to get proof from the XXXX XXXX on XXXX that I did NOT have any debt before being able to move out. XXXX XXXX XXXX XXXX is under contract to pay XXXX on XXXX for rental assistance on my behalf and I ABSOLUTELY COULD NOT MOVE OUT OF THE XXXX ON XXXX IF I HAD ANY BALANCE NOT PAID.I RECEIVED A CLEARANCE LETTER FROM THE XXXX ON XXXX STATING THAT I HAD NO DEBT, NO MONEY OWED, AND RELEASED FROM THE CONTRACT WITH XXXX ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called Capital One Auto Finance roughly two weeks ago for the purpose of correcting inaccuracies on my credit report. I cleary explained to the representative that I was serving my country with the U.S XXXX during the time the payment for the vehicle loan on the 2014 XXXX XXXX. I explained that I assumed the payment where being handle by my now ex-wife a the time but found out that they where not being paid. I only found out that the payment where not made because the vehicle was involved in a accident which resulted in a total loss. I was left with a car upside down on a loan in which my GAP insurance and car insurance covered most of the loan. I made a payment to settle the balance of the loan. I am trying to purchase a home but with Capital One Auto Financing reporting such negative remarks/late payment on all 3 credit bureau, this is causing me emotional distress and would never own a home but rent a house my whole life. I have attached a response from Capital One credit card that I had the same problem with payment not being made by ex wife showing the time frame of me serving my country which corresponds with the date that the vehicle started to report late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original notice was given on XX/XX/2021 from Hunter Warfield regarding intent to collect on debt. 

A certified letter was sent on XX/XX/2021 to Hunter Warfield disputing the collection attempt and requesting further verification of the described debt pursuant to 808b of the Fair Debt Collection Practices Act. Return receipt indicates this letter was received on XX/XX/2021. 

From initial communication onwards there was no communication from Hunter Warfield regarding the debt or request to verify the debt. 

On XX/XX/2021 a notification was sent from XXXX  regarding a collections account reflecting on my credit report. In clear violation of the dispute process outlined in 808b, Hunter Warfield reported said debt to XXXX  and caused significant harm to my credit without providing the proper requested verification.

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 2020-04-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around 2006 my mortgage was sold in a bundle. The original mortgage company XXXX XXXX XXXX XXXX went bankrupt. Ocwen became the loan servicing company for XXXX XXXX XXXX XXXX XXXX. When this transaction took place my escrow money of {$13000.00} disappeared. I tried calling Ocwen on several occasions and wrote them trying to get this matter taken care of trying to find out where my escrow money was. I was pretty much stonewalled. Since they couldn't tell me where my escrow money went I stopped making my mortgage payments. They have been trying to take my house ever since. I file bankruptcy to protect my home but now is going to be discharged and don't have money to pay off the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The problem I am currently having is with Freedom Mortgage " Loss Draft '' department. We live in XXXX, Texas, and our home was severely damaged during the ice storm event in XXXX of this year. 
( XXXX  XXXX  ). My issue is, that Freedom Mortgages Loss draft department refuses to endorse and return my second and final insurance settlement check of {$5100.00}. We went through this with them regarding the first initial payment of {$9700.00} dollars. They held the first check, stating I was behind on my mortgage, and they weren't going to release it. I did file a complaint thru CFPB regarding that issue, and they returned the check within a week of initial complaint. Repairs got started. I sent the insurance agency the requested pictures of the completed repairs to floors and bathrooms and walls. Insurance company was satisfied with the pics of the completed repairs, and released the remaining {$5100.00} to me. Freedom Mortgage is WITHHOLDING this check from us, and refusing to endorse it, withouit an W-9 from the contractor. This is just ridiculous, when I have provided acceptable proof to the insurance company. When I contacted Freedom 's Loss draft department today, I got nothing but a hard time and total disrespect from the agent I spoke with just a few minutes ago. I am a 14 year Veteran of the United States XXXX XXXX, and this is a VA secured loan, and I honestly don't appreciate this treatment from the LOss Draft department. My wife is suffering from Covid related congestive XXXX XXXX and XXXX XXXX XXXX XXXX, and this stress has put her back in the hospital, under life threatening conditions. Please, for XXXX 's sake just endorse this check and send it back to me. We have lighting work to be completed, and some more wall painting. I do intend to file a complaint also with the mortgage assistance bureau out of XXXX, Texas. We just want this " XXXX of XXXX '' check to be endorsed and sent back, in an extremely timely fashion, so we can spend it as intended, on completing necessary home repairs, PLEASE!!

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 2021-07-07
Company: CMRE Financial Services, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BARCLAYS BANK DELAWARE
State: UT
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:
Institution Information BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

XXXXnstitution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry

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 2020-06-23
Company: Aldous & Associates, PLLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A new collection for {$400.00} for XXXX XXXX ( also called XXXX XXXX  ) appeared on my credit report ( collection date XX/XX/2016 ). I called Aldous Associates ( claims to be a legal firm ) and they were not able to share any information about this debt or account information. I called XXXX and they have no record of this debt. 

I never received any notification from XXXX or XXXX or Aldous Associates ( Collection agency ). I suspect this may be a fraud. 

I am refinancing my mortgage and this is affecting my approval and interest rates. 

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: AZ
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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