BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: NY
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:
RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. I beg you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The 3 credit bureaus, XXXX, XXXX & XXXX are reporting accounts that were not authorized by me. I have submitted documentation per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove

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 2021-07-02
Company: EQUIFAX, INC.
State: NY
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 spoke with XXXX today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX XXXX and Equifax are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I wanted to payoff loan and showed balance of XXXX. I went to the local store to payoff and they were charging me over {$100.00} more than the balance owed. I called the following day to corporate office and still had to pay over {$100.00} to close the account but was still less than what the local office was charging and it was said to me if they wouldve closed it the day i had gone the local office the interest wouldve been even less to payoff. Ive been paying this loan for over 4 yrs and have been called to renew several times after I said no! Ive been getting calls to renew and take home {$1500.00} but as I looked back I would have to pay more than triple that amount. They make nearly impossible to payoff and close account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Because of the XXXX  credit breach back in XXXX  I had over 43 capital one credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had a mortgage with XXXX for almost 20 years. A couple of years ago I opened an " XXXX '' business credit card account with XXXX. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to XXXX 's own actions, and these late payments are now reflected in my credit report. I attempted to contact XXXX to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again XXXX refused to accept responsibility.

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 2019-05-03
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Failure to remove credit check after they said they would

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 2021-10-31
Company: Ingo Money, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SENDING WRITTEN ONLINE EMAIL ABOUT IM HAVING DELAY PROBLEM ISSUES WITH & FINANCIAL BUSINESS COMPANY GOES BY THE NAME OF INGO MONEY INC SO I CAN EXPLAIN MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUES IM HAVING REGUARDING INGO MONEY INC OFFER CHECK MOBILE CHECK DEPOSIT SERVICES SO IN ORDER FOR U TO CASH & VALID CHECK ENCLOSE THRU THEM U HAVE TO HAVE VALID ID FORM SURCH AS STATE ID CARD PHOTO ARE DRIVING LICENSE ID CARD THEN U MAY HAVE TO UPLOAD PHOTO COPY BACK IN FRONT OF ID CARD PHOTO IN ORDER TO CASH SMALL BY USING INGO MONEY INC PROCESS FEES IS TOTAL AMOUNT XXXX DOLLARS EVERYTIME IF U NEED FUNDS THAT SAME DAY POSTED CREDIT INTO YOUR CHECKING ACCOUNT DEBIT CARD NUMBER SO INGO MONEY INC SO BLOCK PERSONAL ACCESS FROM ALL OF MY ENTIRE FAMILY MEMBERS GOES BY THE NAME OF XXXX FAMILY RESIDENT CAN NOT ACCESS THE INGO MONEY APP TO CASH A CHECK BECAUSE INGO MONEY ARE SAYING THEY FOUND FRAUD TRANSACTION GOING ON BY ACCESSING MORE THAN ONE PER CHECKS TRANSACTION PHOTO COPY AMOUNT WHO EVER WORK FROM INGO MONEY INC SECURITY TEAM LOOK LIKE TOO ME THEY ARE NOT FOLLOWING RULES & RUGULATION OF PRODUCT FINANCIAL SERVICES CONTRACT AGREEMENT BETWEEN THE BUSINESS AND THE CONSUMER CUSTOMER FINANCIAL POLICY ACCOUNT SO I CAN PROVIDE ALL THE PHONE NUMBER TO INGO MONEY INC CALL CENTER CUSTOMER DEPARTMENT XXXX XXXX INGO MONEY INC BUSINESS EMAIL ADDRESS XXXX XXXX so ingo money business inc has previous close my ingo money mobile check deposit account out WITHOUT TELLING THE CONSUMER CUSTOMER I HAVE RECENT SPOKE TO TWO TO THREE DIFFERENT SUPERVISOR AT INGO MONEY INC CUSTOMER SERVCIES CALL CENTER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I'm still in shock the way Capital One Credit Card representative tricked me to loose money but not telling right information on time. Surprised Capital One does to its customers like this, instead of helping they tricked me. I'm in shock. 

I have Savor Credit Card ( Annual Fee and 4 % rewards ), today I have contacted Capital One to change the card type to free option ( assuming that I'll get a refund prorated refund for the annual fee I paid and switch to no annual fee card ), they I told me I can switch to Silver card ( no annual fee ) and I agreed but I have asked them about refund of the existing card, she told me first she switch the card to Silver then will look into refund. After switching card to Silver, she told me I won't get refund as I paid it on XX/XX/2020 and 40 days passed to get refund, so I lost Savor Card benefits ( 4 % ), lost my annual fee and I got a new card with less reward card benefits. I'm sure she would know that I won't get refund and she could have suggested me to stay with existing Savor card until next year ( at least I can get better rewards ) switch to silver when I have to renew the card, instead knowingly she upgraded my card, after that she told me no refund. I lost annual fee and better rewards. A good company representative will present right information and would have recommended to customer for better option to win but not to loose. I'm still in shock the way I have been tricked. 

Date : XX/XX/2020 Card Type : Savor to Silver ( with loose option ) Annual Fee lost : XXXX $ Rewards lost : 4 % I'll never business with Capital One, I'll cancel the new SIlver card as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a letter from a collection agency C & W Caine and Weiner in XXXX Texas stating that they were attempting to collect on a debt owed to XXXX XXXX XXXX in the amount of {$460.00}. This is erroneous. I rented several vehicles over several months from XXXX ' XXXX Airport location. ALL rentaLs were returned and paid on time via my personal VISA debit card from XXXX XXXX. I have documentation to suport this. 

The collection company in question is Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX, I have paid my mortgage on time for the past 36 months, in which the HAMP program required and they took XXXX off each year i paid on time. ( I had ACH withdrawals ) ' My mortgage was XXXX, now its down to about XXXX and I requested the mortgage company to set up Bi Weekly payments as of XXXX payment. 

I have been paying since XX/XX/XXXX on this home and they have gotten almost double. 
They told me in XX/XX/XXXX that in order to set up bi weekly payments, my account would have to be paid 30 days ahead.. I sent the paperwork in and they sent me a letter stating it was too late the Bi weekly account couldn't be set up because the paperwork did not arrive in time. I asked if I could fax the paperwork in a make another payment to put my account up and they said yes and then changed it to being 31 days ahead.. On XX/XX/XXXX I faxed the paperwork in and made a payment. 

XXXX ( XXXX XXXX fax phone XXXX option XXXX XXXX ) took another payment and set the bi weekly payment up for XX/XX/XXXX and XX/XX/XXXX.to be exclusively watched over by her. The 1st ACH will be withdrawn in XX/XX/XXXX. 

I recieved the same paperwork again that OCWEN mailed on XX/XX/XXXX stating they couldn't set up my BI weekly because the account was not 31 days ahead and when i called and told them XXXX had physically taken out the payment on XX/XX/XXXX and I had made another full month, they stated that the XX/XX/XXXX payment had accidentally been applied to the Principal. and the account needed to be 31 days ahead to set up bi weekly payments. This is so crooked and dishonest. 

I have been in this house since XX/XX/XXXX and have paid double what its worth. OCWEN is AKA as a PREDATORY LENDER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my TransUnion credit report online in XXXX through XXXX. I was advised to request the report by mail. I requested the report by mail on or around XX/XX/2018. TransUnion did not respond to my written request. I tried to create an online account with TransUnion to request my report on XX/XX/2018, and that account will not give me access to my credit report, either.

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 2020-11-16
Company: Shellpoint Partners, 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:
I recently submitted a complaint to your bureau about Shellpoint Mortgage servicing improperly reporting two mortgages I have with them as delinquent on my credit report during a period in which they were under COVID forbearance. They responded that they had indeed reported those accounts improperly, and that they would be removing them altogether from my credit report. I have a third loan with them as well. It is loan number XXXX. This loan was also under COVID forbearance from XX/XX/XXXX to XX/XX/XXXX. When I filed the last complaint about the other two loans, there were no late payments reported on this loan in my credit report. So I did not include this third loan in my previous complaint. In fixing the two loans from my previous complaint, however, Shellpoint went back to XXXX and reported that I was 90 days delinquent on this third loan. Firstly, I was under their Covid 19 forbearance. Secondly, they didnt even bother reporting those dates correctly. They reported a random 90 day delinquency and all months before and after it are pays as agreed. And they need to fix the late fees they have been charging me for periods when I was either under forbearance or being transferred to deferment. I had to call 10 times before I was able to make a payment because they dont respond to email, or voicemails, and they dont pick up calls. They completely blocked me from making automated payments online and over the phone for many months. It was due to repeated emails that I was even able to make any payments once I came out of deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a leased vehicle from Hyundai back in XX/XX/XXXX. My lease was ending soon and was told I could purchase the vehicle at the by sending in the payment through Hyundai Motor Finance ( HMF ) online, and then sending in an Odometer Statement. 

I did this back in early XX/XX/XXXX. It has now been three months and HMF has yet to send out the title. First they said it would be sent in 7-10 business days. Every time I call they tell me that they " will escalate '' and I will hear a response in 5-7 business days. I never get a response, and call back. They tell me something different each time. 

One time they said the title was sent to me, and then sent back to them for a bad address. Another agent said that never happened, and when asked if it was a lie, they said, " Yes. '' They claim the Title Department only works XXXX and XXXX, but can not say where my title is or why it is taking so long. I purchased this vehicle and I need to get it registered in my name as the registration expires soon, but I can not do so without the title. 

One agent on the phone told me to email XXXX. I did this with the information, but they were unable to assist, and then forwarded my email to the Lease Buyout Team. I talked to this team over the phone, and they said it was Titles team who releases titles. No one seems to know where my title is or who is working on it, and there is no contact info for the Titles team.

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 2018-02-15
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the balance of this account and closed the account, and they said i owe a {$27.00} late charge. they have been charging me a late fee on a late fee that now totals over {$250.00} which i refuse to pay. this is ridiculous that this fraudulent charge should affect my credit score. I paid them what i owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened XXXX XXXX  accounts. XXXX later sent me a XXXX Credit Card application. I applied (XX/XX/XXXX) for the XXXX credit card. A company named " XXXX XXXX XXXX  ( Card Member Service Phone XXXX   ) '' sent letter ( XX/XX/XXXX) denying credit due to a credit freeze I had place with all credit agencies : XXXX XXXX and XXXX, due a credit breech and ID theft in my past. I called XXXX several time and all credit agencies. All credit agencies said to set up a one time password for XXXX to use to check my credit. XXXX refused to use the recommended safe and secure path as recommended by all the credit agencies. XXXX  said I had to completely remove all credit freezes. This would be a crazy thing to do! XXXX  refused to process the credit application.

Credit security is very serious and XXXX is not up to date or blind of modern scams and credit breeches! XXXX refused to use the PINs for the one-time-credit-check recommended by : XXXX XXXX  and XXXX credit bureaus.

I also complained to : XXXX XXXX XXXX XXXX  and XXXX  and had no success! The one-time PINs is a good safe process that XXXX  refused to use to check my credit for the credit card application.

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 2018-03-27
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am seeking to participate in a class action lawsuit against the major student loan companies ; XXXX XXXX and Great Lakes. I have been repaying student loans off and on for 23 years, and my loans continue to inflate. I have always worked in XXXX XXXX but have been so misinformed by these companies that I have only been in the right program for 1 year now. I am on an IBR plan now. At times I was told I would qualify for PSLF as the XXXX XXXX program ( I am a school XXXX ). Now I am told I do not qualify but could under the PSLF program but only for the last year that I have been in the correct repayment plan. For years I contacted these companies and others trying to get help and they gave me incorrect information. My public service work goes all the way back to XXXX. I would like to see some of that work time count for the service instead of only after XXXX. I have been mislead at every turn and I can't get ahead of this loan. I now have about 5 years that would qualify under PLS but I was not in the correct plan. I was paying more a month then than I am now under the correct IBR plan. What sense does that make?

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