BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX  the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: Was not notified of investigation status or results

Complaint:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all  informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank 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 2020-07-07
Company: Experian Information Solutions Inc.
State: CO
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:
EXPERIAN IS REPORTING A COLLECTIONS ACCT FOR THE 3RD TIME ALREADY. THEY ALLEGE THIS ACCT WAS VERIFIED AS ACCURATE. I SENT A LETTER XX/XX/2020 REQUESTING PROOF OF VERIFICATION METHOD WITHIN 15 DAYS PROVIDING PROOF OF WHO AND WHAT FORMS WERE UTILIZED TO VERIFY THE ACCT AND THEY HAVE EXCEEDED THE ALLOTTED TIMEFRAME AND STILL HAVE NOT FURNISHED PROOF OF HOW THIS ACCT WAS VERIFIED. XXXX XXXX XXXX  HAS ALREADY BEEN REMOVED FROM XXXX AND 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 2020-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX and I have a credit card with Discover. I was late multiple times in the past for about 5 months and would call Discover to notify them. Discover has promised to waive my late fees of {$39.00} and to my surprise my account has accrued multiple late fees ( seems like 5-6 ), there isn't even record that I or my fiancee XXXX XXXX XXXX called them regarding my fees. I called Discover today when I discovered the fees on my account and they only removed one fee ( most recent ). In the past, their collections department would call me from an XXXX area code and the terms were If I had made a significant payment or a payment to get the account to good standing, they would waive my late fees. Clearly, for the past 6 months I have been lied to and fees were not waived. Discover claims that no one spoke with me. Yet just today, their associate promised to waive a fee and a manager took the call by the name of XXXX and he said that he couldn't waive it. I told him the previous associate said she would and he said that he had no record of that. Then he said that yes, he did see it on notes. I feel I have been lied to by Discovwer just to collect money from me. I want my late fees returned as they agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
On XX/XX/2020 Macys Inc. reported that I was late 30 days ( {$8.00} ) on my credit account with them. i checked the last year and have not been late once. I would like this removed.

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 2018-09-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we signed a HFA refinance that contained a 60 month " Monthly Insurance Premium ''. The original mortage holder was XXXX XXXX XXXX XXXX That loan was subsequently sold to XXXX XXXX XXXX XXXX and then to Rushmore Loan Management on XX/XX/XXXX. 
I have contacted Rushmore on several occasions, plus sent them copies of our mortage that definitely shows that the " MIP '' was for 60 months only. Our paperwork indicates that as of XX/XX/XXXX we no longer have to pay a monthly " MIP '' premium. 
Rushmore will not honor this paperwork and continues to assess us a monthly " MIP '' premium. They state that our loan principal is not at 78 % " LTV, base upon the XX/XX/XXXX property appraisal that was performed after our renovation work had been completed, therefore our monthly insurance premium can not be removed. 
I keep explaining to Rushmore that our paperwork was processed prior to the XX/XX/XXXX " MIP '' changes and that our " MIP '' is only for 60 months, but they will not tell me why they refuse to honor the documentation that I submitted to prove this statement. 
Rushmore further states that since our mortage is FHA, we can not even request a property re-appraisal. 
At this point, they now tell me that they can no longer help me, nor do they send out the documentation that they say they will send. All contact with Rushmore representatives has been not only confusing, time consuming, but extremely frustrating as well. 
Please review my documentation and advise if I am correct in my assumption that we should no longer owe a " Monthly Insurance Premium ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan agreement was dated XXXX I took out a title loan, and upon making my first few payments, i asked what my balance was. The amount i was given, was higher than the initial loan amount. I payed over the payment amount of {$170.00} each time. I paid {$200.00}, {$200.00}, and {$240.00}. 
When i applied for the loan, and signed everything on the computer, i had no idea of what i was getting myself into. I had no idea, until i complained, and they explained to me that my monthly payment had to be accompanied by a daily fee of {$5.00} and some change. 
My complaint is that title max charges predatory fees. I complained to the attorney general, and upon them looking into the complaint, called me and told me that even though it is predatory, I needed to complain to the legislators to get something done. They said that they counld not do anything about the issue. I did take out this loan, but i had no idea that i had to pay a monthly fee of {$170.00} plus over {$5.00} daily each month, and that anything paid over that amount would count toward my principal. 
I caught the XXXX XXXX, as well as lost my job, and the interest never stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Problem am having with Capital one auto finance is they are threatening me and sending threatening letters to my address. I do not owe this company and nor Have I done any business with them. Nor have I signed any documents with them. They need to stop Harassing me. This company has No proof or documents of me signing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Tried to refinance my student loan debt and was denied. We have a mortgage showing in our credit that is being paid off and the company will not allow us to prove that it was paid off. Additionally, they will not quote what the rate will be even though they have pulled credit. This is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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:
Carrington Mortgage has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the XXXX that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Experian has violated and continues to be in violation of the Fair Credit Reporting Act ( FCRA ). experian has not been honest with who the source of this information is from, as I have received now 2 notices from US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, THIS IS THE SECOND TIME THAT EXPERIAN HAS LIED ABOUT THE SOURCE OF ITS INFORMATION in its investigation of Bankruptcy Ref. # XXXX Despite my three written requests, the unverified item Bankruptcy Ref. # XXXX still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them? also you continue to lie about the furnisher of your information The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this unverified account is not deleted immediately I will attached the letter that was received from the federal courts by myself and my counsil and now submitted x 2 to the CFPB as a part of my complaint

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 2018-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I called Equifax and spoke with two different reps. At first I spoke with XXXX, and then I spoke with XXXX who is in the fraud department. Equifax does not provide call reference numbers, I was advised to use my dispute confirmation number which I have XXXX, and also XXXX. I disputed two fraudulent accounts on my credit report. One for XXXX XXXX XXXX XXXX, and also XXXX XXXX XXXX. I am a victim of identity theft and fraud. I filed a police report with my local police department which is XXXX Police department, and I also filed a identity theft affidavit with the federal trade commission. Someone has being using my social to get goods and services. I sent over the police report as well as the identity theft affidavit to the credit bureaus. Equifax removed this account and then reported it back again the very next day. now Equifax is refusing to remove these items back off from my report. they are also refusing to provide me with the information that was used to verify that this account belongs to me. Why is it so easy for someone to use my information and damage my credit and my life but extremely hard to rectify the situation? especially when I have PROOF that I did not open these accounts. I never opened up a loan with this company, as a matter of fact I've never even purchased an auto since I've lived here in Texas, nor have I ever had XXXX XXXX which is the XXXX account. This is so sad and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
CARHOP XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The same Company called XXXX XXXX XXXX ( XXXX ) /XXXX  XXXX XXXX ( XXXX  ) keeps reporting false reporting that's affecting my credit. I am no longer the co-signer of any private loans serviced by XXXX. These loans were included in my Bankruptcy and also listed as a " Charge Off ''. I would like for this company to stop selling the loans to collections agencies regarding loans that are no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX www.experian.com This company got my personal business credit report mixed up with my next door business credit report. My business name is XXXX XXXX located at XXXX XXXX XXXX XXXX, next door business name is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. I bought my business as a contract for deed onXX/XX/XXXX and I paid off for that business on XX/XX/XXXX, at that date that business became mine and the title was transfer to my name. In the mean time the next door business been their since XXXX. 
Experian credit report company got my business personal credit report in bad shape and made too many mistakes by adding the wrong information to my credit report all those information were the other business info, example of some of those mistakes are, they said that I been in my business since XX/XX/XXXX that was wrong, I took over my business as XXXX XXXX on XX/XX/XXXX, They claim that I been in that business for 52 years I was born in XX/XX/XXXX, and that impossible to own a business at the age of XXXX years old, they claim that my yearly sales are {$140000.00} my yearly sales never exceed the {$80000.00}. I do have two business credit account one with the XXXX XXXX and one with XXXX both those account never been report it on my business credit report for the past 15   years. 
I did complain to the company Starting on XX/XX/XXXX, and furnish them with all the real documents that proof my allegation. Also I send them a copy of the business next door menu showing the name of that business as XXXX XXXX XXXX, and so far they refuse to fix their mistakes, and that hurting my business credit, and that effecting my income. 
I need your help to force this company to fix their mistake that they made with my personal business 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