BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In JXX/XX/XXXX, I had a family emergency that required financial assistance and I turned to NetCredit ( NC ) for assistance with a personal loan. My loan was approved, and I have made consistent payments on this loan for over a year. In this past year, my balance has barely changed. My loan was funded for {$5700.00}. As of todays date, my balance is {$5700.00}. 

I contacted NetCredit in XX/XX/XXXX to see if I qualified for any type of assistance with my loan. I was given a one-month deferral. My loan is now MORE than my original amount. I called again on XX/XX/XXXX and advised that I needed assistance and wanted to discuss any program options available to me. XXXX, from the escalation team spoke with me and advised the following : NetCredit does not offer any option to lower interest rates. 
An additional deferral could be offered, providing financial documents to ensure that I actually qualify for the assistance, however, this would only further increase my balance. 
Total interest at the end of the loan comes to approximately {$11000.00} There are several reasons that I am filing a formal complaint. First, I advised NC that I was experiencing a financial hardship and wanted to work WITH them in seeking a solution and I was told that the only option is a deferral, which would not assist me with the issues I am having. Second, I advised NC that I now live on a fixed income due to having a XXXX XXXX  and other medical issues and there was no response from the representative. It seems that NC offers loans to people who are desperate and vulnerable, but offers realistic options for a customer who is making a good-faith effort to find an amicable solution. 

As a result of COVID-19, many other companies have come forward to offer assistance and work with their customers for solutions. It is apparent that NC has no interest in the well-being of their customers and cares nothing about the hardships people, like myself, are facing every day. I find that their interest rates are excessive and because of my change in circumstances, I am unable to make larger payments that would facilitate paying the loan off faster. I have advised NC that I may need to file for bankruptcy to which there was also no response. 

At this time, I am seeking assistance in communicating with NetCredit because I need to maintain my credit and want to continue to make regular payments. I do not believe that this is unreasonable and would request your guidance regarding the tremendous interest rate. It hardly seems fair to consumers, whom are facing challenging times, for this company to have such a disregard for sudden changes in circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem.

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of XXXX XXXX XXXX d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

XXXX XXXX XXXX d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me XXXX cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

XXXX XXXX XXXX d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.

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 2020-08-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are moving because Covid caused me to lose my previous job in XXXX of 2020 in XXXX and I started a new job in XXXX in XXXX of 2020. Currently we have between XXXX and XXXX credit rating depending on which credit service bureau is checked. We have been customers of Wells Fargo for over 15 years, do all our banking with them and have had 3 previous loans with them. We started a Jumbo loan on XX/XX/XXXX with Wells Fargo. We locked our rate and started the process of gathering financial information. Loan went to Underwriting around XX/XX/XXXX. For funding we decided to use a combination of checking, savings, and investment accounts. One of the accounts we decided to use was a joint account between my father and myself. I have been on the account, with full rights, for 18 months. In anticipation of funds needed for closing I moved {$17000.00} from my joint account to an investment account with XXXX XXXX where all funds for close were being amassed. Underwriting came back and said that they would not include the {$17000.00} in our funds because it had the appearance of adding the account just for this loan. We protested to our banking representative who escalated to his regional manager on XX/XX/XXXX ( Our closing on our new house is XX/XX/XXXX ). We then had my father write a personal letter saying we had full access to the account with all rights. We then had the branch send to underwriting the exact date when I signed the signature card as joint owner. After this escalation Under writing said they would allow the funds but it needed to come with a gift letter. We are refusing to get the gift letter because the amount being requested will cause undue tax implications as well as we have full access to this account as with any other joint account. Our loan officer then said it was being escalated further on XX/XX/XXXX. We have not heard anything else and therefore to keep from losing our new property, make our closing we initiated a pull from an IRA and have now paid the penalty and taxes to make up the difference that is needed for close. So I want to know why I could not use the funds in my joint account when : I have been on the account for 18 months ; have full access to add, subtract and transfer from and to this account ; and I did not initiate this loan until 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 2019-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem.

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of XXXX XXXX XXXX d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

XXXX XXXX XXXX d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me XXXX cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

XXXX XXXX XXXX d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: Atlantic Credit & Finance, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by Atlantic Credit & Finance on today XX/XX/XXXX. The call was humiliating and harassing because the person I spoke with forced/coerced me to tell why I couldn't make the payment. He consistently asked about my personal life regarding why I couldn't make payments. I told him that I did not want to continue the conversation about my personal issues. I wanted to talk about rectifying the payment. He said he couldn't help me until I tell him the reason why I stop paying on the card. This went on for about 30 minutes. He put me on hold and then his manager got on the phone and said the exact same thing to me. I practically begged both of them to end the conversation because I was in tears. Both of them continue with no concern. I stayed on the phone with them for almost an hour and still no payment arrangement was made when the call ended. I felt ashamed that I had to disclose this information. The amount of the debt balance is {$1800.00}. I received communication via XXXX XXXX  as well. The letter disclosed that I could mail payments. The rep told me that I could not mail the payment in unless I send them {$900.00}. The letter also states that I could make biweekly payments as low as {$25.00}. I was not offered this amount as an arrangement.

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 2020-10-15
Company: EQUIFAX, INC.
State: VA
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:
Erroneous, damaging information was not removed from my credit file. XXXX, XXXX, Equifax did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00}

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 non-monetary relief
Consumer complaint received 2018-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 called Capital One at XXXX on XX/XX/2018. I asked the customer service operator to not touch my overpaid balance in the platinum XXXX. The operator said she can send me a check for the overpaid balance. I clearly told her not to do so. Upon checking my account, it now says a credit balance refund of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I requested XXXX and Equifax to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i currently have an application with the HAF Indiana. during this long process i asked PNC if getting amount past due deferred would interfere with my application in the future for assistance and was told no. well now i am almost to the end of the process. it has interfered and I am not going to receive assistance for deferred amount. i am so confused. i had to already sign off for assistance on homeowners ' insurance due to state farm did not do on boarding and now this. any information will be appreciated. i have emailed my housing counselor as well thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? 
Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-06-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2020 I called Banana Republic credit card regarding charges that were not authorized on my account. I was told I would get the extra interest that was added to my account refunded to me when the dispute was resolved. When I received the interest refund for the unauthorized charges it was not what I calculated that I should be refunded. The Company only gave me back the interest for each individual unauthorized charge and not the total accumulated amount I was charged on the balance on my account. And in the following statements they reversed the interest credits and added the refund amount back to my balance. I was also informed of a interest rate increase from 26.99 % to 27.49 % in the same bill with the interest refund with no explanation for the increase. 

There was 3 unauthorized monthly charges for {$370.00} each on my account and I received a interest refund for exactly {$8.00} for each monthly transaction. My interest rate was 26.99 % at the time of the dispute and as of XX/XX/2020 increased to 27.49 % for new purchases.

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 2019-01-22
Company: NVR INC.
State: MD
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:
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX XXXX not NVR Mortgage Company. I have requested for NVR to  report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

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 2019-06-11
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute regarding errors on my credit report but Experian refuses to let me view my dispute results without paying their {$29.00} fee. I was under the impression it is free to create/initiate/resolve disputes on credit reports. I ordered a free credit report via 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