BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: OneMain Finance Corporation
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was furloughed from my employer XXXX XXXX in XX/XX/2020, and had called One Main for assistance due to Covid 19 forcing our agency to cut staff and my position no longer available. Initially, they were able to assist by lowering my payment from {$390.00} to {$100.00} for a period of 2 months. In XX/XX/2020, my furlough was extended a 2nd time to an additional 3 months, and I was told by One Main that they were unable to extend the {$100.00} per month agreement but double it to a monthly payment of {$190.00}. I was unable to pay this as my unemployment had run out, and I was barely able to make ends meet. So 2 months went by, and I received a call from the One Main collections department, who offered to re-negotiate my loan to {$190.00} per month for the next 5 years if I agreed to pay 2 months in advance. I was able to secure a loan from a family friend, and paid them as agreed providing they update my credit report to no longer show me as delinquent, and also to honor the agreement they had made. 

I have not yet have had my credit report corrected, and am showing past due amount of over {$700.00}, which is not what I agreed to. In addition, every time I call One Main to ensure the loan modification has been processed and my credit report updated, I am told that they forgot to finalize, and they make me feel like I am being swindled.

I don't have anywhere else to turn but you, to plead my case and ask that you reach out to One Main to have them honor what they agreed to, and also to protect me from bad business practice, which I feel that is happening. I feel completely victimized and at the mercy of a predatory lending agency, that has no interest in helping me. I am a veteran of the armed forces and served my country proudly in the XXXX XXXX. 

Please help! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: NC
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:
The Equifax security breach came to light to the public XXXX,2017. I am unsure if I am effected yet ; I need to mail in my credit report request. It will be weeks before I know anything. The hackers are not yet identified, so I feel very vulnerable. Obviously computer security needs to be a number one priority at all credit reporting agencies. I would like to see all credit freeze/unfreeze requests be made available free from this and the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I stayed at a bed and breakfast for 7 nights. Owing XXXX, XXXX dollars a night. The owner allowed me to stay, with the promise to pay after I was paid on XX/XX/XXXX. She offered me no copies of anything to support her claim. She photocopied my driver 's license and debit card, which is how she made the fraudulent charges. 

She demanded cash, at that point, which I withdrew on XX/XX/XXXX, in two transactions at two different XXXX stores, for the owed money. Then, without written consent, or any sort of notification, she also wiped out my entire checking account. 

Key promised I would have my money back in my account in no less than 48 business hours. I can not reach a supervisor by phone. I can not pay my credit card bill, nor phone bill either this month. Key has done absolutely nothing to get me a replacement card, expeditiously, nor, most concerning credit the fraudulent charge. The owner keeps blowing up my phone and threatening me and demanding for more than she is owed. She has promised to charge my card again for the ficticious amount owed. 

Key has been cavalier with the concerning issue and done absolutely nothing to repair the damages and losses I've incurred, middle of a move and during the XXXX holiday, they have stood by and done absolutely nothing. Key keeps me on hold for 20-30 minutes at a time and no help has been offered, I'm never allowed to speak to a supervisor. They now claim I will be credited in 10 days. There is zero urgency from them regarding the theft of my money. 

Key has a long history with me of not responding to ANY of my cfpb complaints, nor ever offering any sort of follow up, nor especially resolution. I'm sure this one will be no different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo has been saying for the last 2 years that I am missing a payment. I have contacted them every month and I hear the same thing. I sent them 7 years of dates and amounts of my payments. There aren't any missing. I keep hearing the same thing from everyone I speak to. They said I need to find it since they can't. I told them I can't find a missing pymt if it not missing. I have a case open XXXX XXXX XXXX ( not sure of the spelling. ) She has told me every week that they can't help me unless I tell them when the missing payment is. I am so frustrated with Wells Fargo right now. I keep getting letters saying I need to pay or they will take action. I seriously don't know what to do. I told her she needed to credit my mortgage {$670.00}. She said she can't do that. 
Please help They also tacked on fees for {$2600.00}

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 2018-04-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
They keep telling me I co signed but I never co signed, I never signed a promised note.

I am also on SS. I haven't spoke with my daughter in 7 years ( her choice ) and she won't tell me where she is. My son said he would like to have a settlement with Navient ( {$5000.00} ) as long as it doesn't effect my credit.

This student loan was for one semester that she never completed.

I have asked Navient to take me off the creditor list but I got no reply.

Again, my son said he would settle this loan for {$5000.00} as long as it doesn't effect my or his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, PNC stated that it had declined my loan modification because I had had 4 loan modifications in the past and that number is for the life of the loan I am therefore never again eligible for a loan modification again per PNC. 

PNC has FAILED to provide through CFPB 4 ( FOUR ) loan  MODIFICATION AGREEMENTS signed by me since the INCEPTION OF THE LOAN on or about XX/XX/XXXX. 

PNC FAILED to attach any policy which supports its decision not approve my loan modification per policy. I HAVE ASKED FOR COPIES OF POLICIES ON MULTIPLE OCCASIONS. POLICY SHOULD BE MADE AVAILABLE FROM AT LEAST XX/XX/XXXX, THE MONTH I INITIALLY APPLIED FOR THE LOAN MODIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made a payment to my amerihome Morgage However the payment was not taking out in time. I was not notified about the situation.when I realize later I had them take the payment right away as this was a mistake. This has been hurting my ability to get a new loan and take advantage of the wonderful low rate they have now. Please assist me and getting this resolved ASAP. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: MO
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 am 19 years : and applied for a XXXX XXXX and was denied credit on XX/XX/2021. I spoke to an operator named XXXX operator Id number XXXX. I gave my father permission to speak to XXXX who explained that I am a full time college student and works part time at XXXX XXXX. I would like to know how someone can build credit if I keep getting denied. They said they based there decision on too few accounts, average length of time, and lists of comparable lines of credit lines. He called back and spoke to XXXX who refused to provide her last name or her company ID number. He then called the corporate and spoke to a Selene at extension XXXX and was provided a case number XXXX. He advised the they are violating the Equal Opportunity Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, Transunion and XXXX do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.

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 2018-12-10
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called NAvient the other day to try and discuss my payment situation.i was on the phone with them, then the account specialists transfer me to another person, and come to find out that my account was in collections, and the person couldnt do anything. The person told me if i had the money of XXXX then i could pay it and get it out of debt status if not i had to wait. Then the person had told call back within two weeks to see who my debt collector is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-05-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back on XXXX of 2019, I found out there was a 30 day late payment being reported on my Commenity Bank / Victoria 's Secret credit card. I found out because I received a call saying I was late. Since I had been paying them on time every month since I opened the card a year prior, I told them that was impossible. I know I pay my card every month so there must be a mistake. After a long and heated conversation with the representative who called me, they said there was nothing I could do about it. The representative said I was late because funds were attempted to be withdrawn and they could not do so for insufficient funds. 

I called my bank which is XXXX and asked about declining a payment to Commenity bank. XXXX asked me for the date and I told them the appropriate dates. They reviewed their records and informed me no attempt to withdraw funds was ever made by Commenity Bank for those time periods. Afterwards I called Commenity Bank and informed them what XXXX said. Commenity Bank didn't want to hear it and told me there was nothing I could do. I went back and forth between Commenity bank and XXXX for some time and they would both tell me the same thing. Commenity Bank claims there was insufficient funds and XXXX claims there was no attempt whatsoever to have funds withdrawn. After a while I was fed up so I disputed the account with the credit bureaus. The credit bureaus came back saying this account was verified and no changes would be made. 

I know this may not seem like a big deal to Commenity Bank, but its a big deal to me. I make my payments to them on time every month and to hurt my credit report when I know I made the payment on time is just frustrating. Especially when my own bank tells me they have ways of knowing if withdrawal attempts were made and not a single withdrawal attempt was ever made during the time of this 30 day late payment. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries XXXX XXXX/XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was not given any notification on the status of my loan, when I spoke with a representative today to obtain a reinstatement amount I was told that that since my vehicle has been repossessed it will be 24-48 hours before the amount is available. I was also told that a cease and desist was received. Wells Fargo Dealer Services has made violations in the past with regard to collection on this debt they have disclosed my loan status to a friend in order to obtain information. They have also misrepresented themselves as a prospective employer in order to gain information. This time they have searched a non affiliated party to the loan to obtain the location of the vehicle. They have used in the past the tow truck company the killed one of their consumers in a vehicle chase. I would not doubt that they would go to any lengths to make money. They get away with this time and time again. I know I am not the only one.

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 2019-11-12
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I had disputed a debt collection from I C Systems. The debt is not mine but and the account was opened under a similar name. I tried to explain this but the dispute came back unsuccessful.

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 2018-04-23
Company: EQUIFAX, INC.
State: NC
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've sent two dispute letters to EQUIFAX disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO EQUIFAX, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Experian Information Solutions 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 contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  XXXX C - XX/XX/XXXX XXXX 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 XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.

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 2021-09-02
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, XXXX  As a consumer by law these inquiries on this letter must be deleted immediately.

Company response to consumer: Closed with explanation