BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a refi of my loan in the amount of {$420000.00} with owning.com on XX/XX/2020. I enjoy excellent credit and this is a very low loan to value loan, so I was subsequently approved right away. However, when I kept asking for closing documents, they started asking for more and more financial documents. I provided everything and was told I was approved verbally and via email, multiple times. Then I was told that owning.com was sold to guaranteedrate.com. I was told to wait for that sale to fully consume but all our commitments were to be honored. I was provided with new documentation with guaranteedrate.com. And, yet, to this date they will not close the loan. I can not get them to answer the phone or return the call, nor will they respond to emails. Btw, their underwriters are completely inept and have substantially discounted my annual income because they do not understand how to read tax returns. Nonetheless, I qualified. This is ridiculous and also, I was simultaneously refinancing my mother 's loan and the identical progression of steps have occurred with her loan as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: ACIMA CREDIT, LLC
State: LA
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:
The account with ACIMA Credit acct # XXXX was closed out for a settlement amount of XXXX dollars with this creditor. I was NEVER late on the account and due to settling the account, the creditor reported me late in XXXX & XXXX of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a purchase of two first class tickets on XXXX XXXX on or around XX/XX/XXXX. XXXX  was unable to accommodate a pet in cabin on one of the flights. Cancelled the tickets within 1 hour of booking the flight for a full refund ( XXXX XXXX  ). Was instructed that refund would be processed 4-8 weeks after. ( Against USA law- funds must be refunded within 7 days. ) On or around XX/XX/XXXX, I filed a dispute with my bank at PNC. I have been in constant communication with the airline and my bank trying to locate my funds. On or around XX/XX/XXXX at about XXXX central, I spoke with a female voiced representative requesting expediting the my disputes due to fear that the airline was preparing to file for bankruptcy. The agent placed me on hold for several minutes and returned to the call saying that she spoke with the back office and the merchant agreed to release the funds. I would see the refund deposited into my account in about 2 days. Spoke with a representative XX/XX/XXXX and he told me that there are no notes regarding my conversation with the previous rep and that the cases are still open. Spoke with an escalated manager XX/XX/XXXX and called me without reviewing the phone conversation with their representative. Case assigned to a miss XXXX # XXXX. I would like my refund deposited to my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05
Company: American Credit Acceptance, LLC
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
American Credit Acceptance is the loan company. First problem is the interest rate was 25 % and the issue is i bought the vehicle from XXXX with ACA as the lender with {$1000.00} down. The vehicle broke down within a month and I had to put over {$1500.00} into the truck to get a new rear end in the vehicle. After that I had the payments for the truck I spoke to them about it got a 3 month break, yet I found out a few months after that back in XX/XX/XXXX that the truck would not pass inspection without getting a new bed of the truck which cost $ 1500- {$3000.00}. On top of the repair bill, the monthly truck payment, as well as trying to get it to be pass state inspection I was struggling. I spoke to a lady at ACA about trading the vehicle in so i was told to wait on making the payment after XXXX. So today XX/XX/XXXX they Repoed the truck and told me I needed {$1400.00} to get it back along with storage fees, etc. Also, if i could not afford to get the vehicle back I was informed that if the truck sales at the auction I would still have to pay the difference even though I paid over {$2000.00} to get the trucked fixed to get it to run due to being sold a lemon from XXXX and the ACA. When I went to trade the vehicle in i was told I needed to have {$2000.00} down in order to get loan with trading in the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On or about XX/XX/2022 I received several letters from local attorneys notifying me that Portfolio Recovery Associates LLC was going to sue me in court over a debt of {$6300.00}. I have never been contacted by Portfolio Recovery Associates LLC either by mail or by phone about this debt. I have no idea what this debt is as I have no unpaid debts of this amount. I have never been provided any proof of the validity of this debt. This is obviously a case of identity theft that Portfolio Recovery Associates LLC is a partner to. 

If Portfolio Recovery Associates LLC is claiming that this is a valid debt, I would like to see a copy of my application/agreement relating to this alleged debt clearly showing my legal and verifiable signature agreeing to the terms and accepting the agreement. I am confident that Portfolio Recovery Associates LLC will be unable to provide that or any other proof to me that this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX XXXX XXXXXXXX XXXX acc # XXXX and XXXX XXXX acct # XXXX, 15 U.S.C. 1681 SECTION 602 SECT A : 4 states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent a {$70000.00} wire to Coinbase including only the exact information they required ( without any extraneous info ) to credit my account on Coinbase. 

As of XX/XX/XXXX ( today ), SIXTEEN days later, my wire transfer to Coinbase is STILL not there. Although Coinbase claimed next day availability ( on their website ) for wire transfers as of XX/XX/XXXX. 

I filed an online complaint through XX/XX/XXXX/Coinbase after about a week, as well as ~ 2 weeks later .... and then called and even had that escalated to an upper tier, and the response I received was to stop calling because it delays the process ( see attached documentation. 

How much longer could this possibly take, the one day turnaround has been more than 2 weeks? I have missed out on huge possibilities because of their promises. 

I needed the money I sent to Coinbase so I could buy Bitcoin instantly at {$12000.00} and now it has reached over {$16000.00} ( who knows where I will even be able to buy it back in at this point ) .... 

I believe Coinbase has done this deliberately something fishy is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with EOS collection company today regarding a collection for XXXX XXXX. I spoke with XXXX wireless multiple times prior to be sent to collections as well. When I cancelled our XXXX XXXX, they continued to charge for service, so when I got our final bill I spoke with them to have them correct it. They agreed to correct the amount because it was in fact incorrect. However, we were sent to collections prior to XXXX correcting the issue. They are trying to collect {$4800.00} when the bill is less than half of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

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 2019-05-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I got a XXXX XXXX for XXXX service at XXXX XXXX In XXXX FL. The credit was fro {$9000.00} for XXXX services of {$4000.00}. At the time of receiving the credit for 24 months 0 % interest, nobody explained to me that after 24 months ( XX/XX/XXXX ) I was going to be charge interest for the entire treatment amount of {$4000.00}, regardless of any remaining valance. I was under the impression that the {$660.00} payment I had left, was the only think I was suppose to pay this month. I was shocked today when I log into my account to make a payment and noticed that i was charged {$1100.00} interest. 
I called Comenity Capital Bank to get an explanation and advise about the paperwork I have from XXXX XXXX, which does't mention anything about paying high interest after 24 months, but they said they sent notification on the bottom of my statement that I never saw until today because i signed up for paperless and the only emails I've received from Comenity Capital Bank were about payments reminder. 

please let me know how you can assist me with this issue! 

thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: ENOVA INTERNATIONAL, INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, NC Financial at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) opened a personal loan in the amount of {$7000.00} to someone claiming to be me using my credentials to open the account. This was not me opening this account. I retained XXXX Identity theft protection and XXXX ( we ) to work for me and with me to resolve this matter. We contacted NC Financial about the fraud and confirmed the account was opened using my stolen identify. NC Financial fraud department explained that a police report or other documentation was required to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.I m disappointed! I dont know how to delete it from my name

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX/XXXX/XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: PR
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:
Equifax internet service dispute portal never working. As a consumer we can reach them to summit a dispute. In my case this account appear twice We need a mechanism to reach them. In my case internet is the better but the poral never works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am a member of the XXXX XXXX. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of Stoneleigh Recovery Associates claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a scam. There is no connection to ownership of the original credit card I had with XXXX XXXX. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. XXXX   XXXX is also part of the same scam. All of XXXX XXXX credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on XXXX XXXX pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: OR
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2017-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I re-financed my loan last year. I was told my my loan rep, XXXX ( XXXX ) XXXX ( NMLS # XXXX ) at JP Morgan Chase that if I took any cash out for the re-fi I would be subject to a higher interest rate. So we did n't. He also told me the closing costs could be rolled into our loan so there would be no out of pocket for re-financing.
We agreed.
We are trying to get a HELOC ( Home Equity Line of Credit ) now, a year later, because our AC Units went out ... and maybe we want to upgrade our home using the equity.
Today, XXXX/XXXX/17, I am being told by Chase that the State of Texas does NOT allow Line Of Credits if you took cash from your equity when re-financing your home. I thought to myself, NO PROBLEM ... I never took cash out, so we 're good!
Low and behold ... The State of Texas considers your closing costs ( added to the loan ) as taking " cash out of your home equity ''!!!??? Chase NEVER told me this.
I called XXXX XXXX and asked him about this. His response simply was " I did n't know about that at the time, and they never taught us that until recently! '' So now ... he knows, but before.. he did n't.
Do n't get me wrong, ... XXXX was fine/great through the entire loan process, being a loan refi expert and all. But because HE was n't aware of this rule, I was n't made aware of this rule.
And now ... my wife and I are going to be forced to refinance our home at a higher interest rate, lose thousands of dollars with a higher interest rate and closing costs ... or go without AC for the rest of the summer. -Thanks for not being aware of letting us know XXXX !
My question is ... if XXXX XXXX does n't know this simple rule, by the State of Texas ... how can he be allowed to re-finance homes? How can you not let us know if this HUGE reprecusion!?? How?
If I knew about this rule, .. I would have GLADLY paid the closing costs out of pocket. JP Morgan Chase never made me aware of this state rule!
I am very upset, and worried my kids will not be cool enough in this Texas heat ... all because XXXX XXXX " did n't know '' at the time. ( But now he does. ) Unreal ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Harley Davidson Financial Services Inc
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I continue to receive harassing calls from Harley Davidson financial. The have called twice today. Continue to threaten repossession. Continue to be little me. Called at XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have had a Discover Card since XXXX and I will admit that I am not always the best at thoroughly reading through my statement. I was reviewing statements recently and saw that I am being charged for Discover Payment Protection on a monthly basis. This is a program that I never authorized my enrollment into. I have since checked all of the statements that Discover has for my account online ( they only have back to XX/XX/XXXX ). Totaling up all of the charges I was charged an overall amount of {$1100.00}. This is just the last 2 years. I called Discover on XX/XX/XXXX once I came up with this total and spoke to a representative named XXXX who told me that I started getting charged for this service about 3 months ( since 2010! ) after I opened the account. I questioned how it was that they enrolled me and she said that they had previously sent out letters asking for authorization to enroll their card holders. I informed her that while I got those letters I did not sign that I was authorizing my enrollment, so how is it that Discover enrolled me anyway. She then informed me that she would cancel my enrollment and reimburse me for the last 3 charges. I asked why I was not being reimbursed for the total amount that I was charged and the response that I got was that I would not be reimbursed the total amount because the letters they sent out were what enrolled me in the program, therefore I should have known that I was being charged. I again asked how a letter that I did not sign ( and at no point did they get verbal authorization from me either ) gave this company the authority to enroll me in this program. She was unable/unwilling to answer this question and was not able to direct me to anyone else within the company whom I might talk to about the issue.

Company response to consumer: Closed with monetary relief