BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: Self Financial Inc.
State: MA
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EQUIFAX, 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 status incorrect

Complaint:
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid of my loan. I was charges fees and it was paid. There were guidelines set in place for companies not to charge fees during the pandemic. I was charged fee after account was paid. I continuously asked for fees to be removed from my account for months. After numerous complaints and no resolve I settled with the company and paisd the paid the balance of fees I did not owe. I was told the account would be deleted from my credit file. I have provided letter of payment to experian and was told it would not be removed. The company ( Ad Astra recovery service ) told me the information would be removed once account was XXXX balance. Its not fair to me to have not owd the amount of fees and then have it placed on my credit report, after paying the balance it still not being removed from my file as agreed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our former mortgage company was XXXX XXXX. They sold shell point mortgage our loan. We had been on a payment plan with XXXX was caught up. I missed our XXXX payment to Shell Point due to me getting sick. I was completely bedridden between XXXX until XXXX. After 9 ER trips I was finally hospitalized on XXXX the XXXX I got diagnosed with XXXX XXXX. After treatment started I have started on a long recovery ahead of me. We got a letter from a lawyers office from the court on foreclosure process. We tried getting in touch with the mortgage company with no luck our point of contact keeps changing. I got ahold of the lawyers office and they stated they would try and get someone to contact us with no help still. Got a letter from the mortgage company stating they would take an amount to reinstate the loan so called to pay it. After 3 hours of trying to get our point of contact got ahold of him. He took my payments info and said we were good. Then he put me on hold and after coming back on the phone he said we would have to wait on another letter for the full reinstatement amount? Time is ticking away for foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed money from OneMain Financial in the amount of {$15000.00} in XX/XX/2017 with my car as collateral. In the contract, the interest is 19 % per annum. Monthly payment would be deducted from my bank account in the amount of {$490.00}. In each bill however, only {$280.00} goes to the principal loan and the {$210.00} goes to the interest. This is 43 % way more of what is stipulated in the loan agreement. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
After receiving letters from XXXX XXXX and XXXX XXXX that her " loan payments '' for her reverse mortgage ( there were none ) should now be made to XXXX XXXX, my XXXX-year-old mother started sending her {$310.00} HUD loan payment ( which was serviced by a third company ) to XXXX in XX/XX/2017. She made another payment in XXXX before the third party notified her that she was past due. 

When we discovered what she had done, we contacted XXXX XXXX via its XXXX  number on XXXX XXXX and explained the issue to XXXX. She confirmed the facts and promised a check would be sent. 

When no check was sent by XXXX, we called again and spoke to XXXX on XXXX XXXX. He again confirmed the facts and promised to make sure a check would be sent. 

Not having received a check yet, we sent a demand letter to the only address XXXX provided on XXXX XXXX. 

And when the funds were still not returned, we call on XXXX XXXX to again try to resolve the issue. This time XXXX told us that it had " been too long '' and XXXX would not issue a check. 

We responded that the responsibility for delay was entirely XXXX 's and that it did not absolve them from returning the money sent to them in error. XXXX said we'd have to open an " investigation '' into the matter. With XXXX, who had simply failed to remit the funds in the first place. 

We told XXXX we would prefer to pursue this unethical behavior through other means. And here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: MA
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:
experian continues to report a XXXX account that is owned by XXXX XXXX XXXX XXXX. They refuse to allow me to dispute it, I reported and disputed this 3 months ago, which proves that they didn't verify the account, they only updated it through my dispute. When I call to dispute, they have my SS # flagged and I get locked into the automated system. In addition to them not removing or validating this account, they say I need to verify my info, however, they reach out to me using the very same address. This is all a tactic to keep reporting an inaccurate account on my credit report. Do they get paid to keep negative accounts listed? if so, that would explain their deceitful practices and blatant refusal to remove these accounts from my credit report. In addition, they recently added a new chargeoff on the account, leaving 2 chargeoffs back to back, when it was originally 1 chargeoff. Its now reported as 3 late payments, which gives any creditors the impression that I was late on 3 accounts. MY FICO score is XXXX, the lowest score of all three bureaus. in addition, they refuse to remove XXXX XXXX, who wrote asking EXPERIAN to remove this account as it was removed from the other 2 bureaus a 30 day late payment was added in error and XXXX XXXX  is now asking again for Experian to remove it. I have 2 emails from XXXX XXXX  as proof.

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 2019-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I had called XXXX IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from Bank of America. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from XXXX. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX-XXXX-XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. 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 2019-04-13
Company: Patrick K Willis Company Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A company called SB Investigations is calling me repeatedly. They are not leaving identifying information for what it is in regards to. 

XX/XX/2019 a female called saying they were an investigator and have a case relating to my Dad and that I need to call immediately. ( my dad is deceased )  XX/XX/2019 a female called my cell phone and left a message saying she has a case file and I was being investigated. She then called my place of employment and when I told her not to call my workplace but to leave the details and information on my cell phone voicemail and I said thank you and hung up, she called right back and said she was sending uniformed officials to escort me out of my workplace. 

They call every few days from several different numbers and local prefixes but all have the same message of being investigated. I know there is nothing I would be investigated for. I do have debts, and I am not sure which one this is about. I have a debt consolidation company working with me. I do not understand why it has become so threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: NC
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have held this loan with Ocwen Loan Servicing for over 7 years and have made various attempts in the past to re-finance loan with them and have been consistently told I could not even though the loan is current. Most recently ( 3 yrs or so ago ) in one of out attempts, Ocwen told me to stop paying the loan so that I can modify the loan. I chose not to do that as it would hurt my credit. I continued paying the loan as scheduled. I received a notice stating I could refinance through a subsidiary of the parent company and when I called, was told that if the property was in transit of being sold they could not do anything for 90 days after it is taken off the market. When I called, the young lady I spoke to asked if I had modified this loan since that is what the record shows. I explained that we did not modify despite them suggesting for us to do it. On the occasion I was told to stop paying so I could modify, I was given that advise without them checking my credit etc. The loan was and continues to be current and now I received a notice from the lender raising my monthly payment by {$75.00}. It seems the only option the Ocwen has given me is to default on the mortgage which is not an option. It seems despite the fact I am a good customer and in good standing, I am being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My loan for chase jp morgan was originally XXXX with XXXX written off and XXXX due as of XX/XX/XXXX date opened XX/XX/XXXX i would like this to be removed due to countless attempts to resolve this before the repossessed it, they took my car when i was expecting with twins and had communicating that i had difficulty due to a prior job loss after opening the loan, they had rude representatives transferring me around to several departments and even reached out to their media source and considered the news channel as well after all of that stress because they sold my car for {$700.00} and now want XXXX when it was obvious based off my work history and the payment history and me trying to resolve with them based off what funds i couldv'e setup a payoff but wasn't allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

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 2019-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.

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 2019-04-13
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. ) So XXXX last year I paid off a debt for infinity health care XXXX dollars. The collector is XXXX XXXX XXXX. They did say they reported it but it's still on my credit report XXXX. I filed a dispute but nothing is happening.

This is through credit karma 2. ) Next is XXXX  XXXX XXXX. Again XXXX last year I paid this debt XXXX dollars but still shows on my credit report, XXXX  I believe. 
This is on my XXXX XXXX report through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 credit cards with Capital One, I have credit protection which should suspend my payment for 6 months, which I just called to activate. The agents are documenting inaccurate information, I suspended my auto draft payment and money is still being removed from my account. 

I'm not being giving accurate information about my account. The agents are not notating my account properly, there could be fraudulent activity on behave of Capital One. 

I have video conversation of recent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
Unauthorized inquiries on credit report were disputed and were not investigated nor removed.

XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-10-08
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with World Finance. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
On XXXX XXXX, 2018, I was charged a {$290.00} XXXX bill on my American Express XXXX for Business card. I have more than once told American Express that I had cancel the goods ( tickets ) and should not be charged. Yet, American Express keep billing me for that amount, despite telling Amex that I have proof in email of that cancellation. I have opened a 2nd dispute ( chargeback ) but still no resolution as of this writing.

Company response to consumer: Closed with explanation