BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I obtained loan and used car title as collateral. I purchased new vehicle unrelated and now can not get rid of original car I used as collateral because of lein. Vehicle is not operable and lender will not release title. I am now stuck with responsibility of vehicle that doesn't even run and lender is refusing to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2017 I was involved in a car accident in where I was at fault and I didn't have insurance at this point because I had just gotten the car, police then arrived on the scene ( because the people I hit called them to make sure everything would go smoothly ) the police then issued me a ticket and I was ordered to go to court. I went to the court date and was ordered by the judge to pay all fines including their deductible on their vehicle and did that in a timely manner and I was made to believe that everything was settled in court. Yesterday I received a call from a women at Wellman Weinberg and Reese company LPA.  She was very rude, threatening and abusive from the very start of the phone call, she then proceeded to tell me that I owed over {$3000.00} to the insurance company of the individual that I got into the car accident with. I tried to explain to her that everything was settled in court and that this happened almost a year and a half ago, she proceeded with being rude and threatening with no explanation.. She again threatened me with a lawsuit with zero explanation other than " That was the law, this is the insurance company ''?? I continued to try and argue the point that this happened going on two years ago now and she gave no explanation in return ... She continued to be extremely rude until she hung up on me and then I received one last threat of a lawsuit and was hung up on. I would appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-29
Company: EQUIFAX, INC.
State: NY
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 has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an online application to GuaranteedRate.com, including my social security number and authorization for a credit check, on XX/XX/2018. I never received a response about whether I was eligible for a loan. 

My understanding is that the lender is supposed to provide a loan estimate within three business days after I apply. I followed up multiple times with the lender and never got a yes, no or maybe. 

I heard back from the loan broker on XX/XX/2018 requesting some documents, which I provided on XX/XX/2018. I then followed up several more times and each time the broker said he'd get back to me " within 24 hours. '' I made my final request for information on XX/XX/2018, and was told they would get back to me " today. '' I understand that not everyone provides good customer service, but this is very upsetting to me because now I have an inquiry affecting my credit score for one year, and nothing to show for it. Furthermore, the inquiry undoubtedly caused my score to drop which affects my ability to get this loan from someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Back in XXXX while checking my XXXX credit report I found a negative payment showing from XXXX XXXX XXXX.It showed that I was delinquent for {$1000.00} I contacted XXXX to dispute it and it was removed. On XX/XX/XXXX I received a judgement in the mail from XXXX XXXX XXXX looking for the amount of {$2400.00}. I had no idea what this was about and tried to contact them to find out what this was. They could not give me any information so I contacted a lawyer by the name of XXXX XXXX in XXXX. I paid him {$800.00} to retain him and he contacted XXXX XXXX XXXX. They too could not tell him what or who it was for but he told me if he could negotiate it down it would be easier than fighting it as it becomes expensive. He stated that this is the business practice of XXXX they just go in and get a judgement without my having any knowledge whatsoever that they are doing this- never notified at ll. He got it down to {$1000.00} which I paid and was told that my credit would not be affected. Well now my credit score has plummeted as it was put on my Experian report. I disputed it and XXXX XXXX will not remove it. They had to remove it from XXXX  and XXXX  as they had no proof that it was mine and it was not mine. But it was cheaper to pay the money to this company than to fight it. Experian will not remove it and it is not right as it is keeping my score very low. My bills are usually paid in full each month and I believe that whatever information that Experian got from this XXXX XXXX company was incorrect.

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 2018-07-31
Company: EQUIFAX, INC.
State: MI
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 have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Collection was opened on XX/XX/2016 for the amount of {$940.00}. The reason of the collection was because I refused to pay the company due to the fact that my card had been stolen and used to its max by someone else. After repeated attempts of telling the Company that the card had been stolen and used by someone other then myself, the company refused to disregard the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The borrower was told he only qualified for FHA lending rather than conventional due to credit and DTI. In which the brokers or underwriter ignored a {$15000.00} XXXX XXXX payoff with substantial equity for payoff. Credit issues left unpaid. In addition to altering closing doc 's cash out terms after three day right of rescission.Then used Mers act to evade fiduciary lending standards according to Reg Z fair lending act in addition to XXXX Court mandate to payoff XXXX /XXXX XXXX  flawed programs as stated in XXXX Court finding XX/XX/2017 2017

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 2018-09-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested SCRA benefits for my Citi Platinum account that I acquired before I joined XXXX XXXX on XXXX XX/XX/XXXX. I acquired this account in XXXX with a credit limit of {$2000.00}. I was told that my benefits were approved but because the card was charged off, there were no adjustments made. The date the card was charged off was XX/XX/XXXX. Payments were still being made to the account and the last documented payment of {$140.00} was made on XX/XX/XXXX ( verified by the customer service representative today XXXX XX/XX/XXXX ) which put my account at a {$0.00} balance. They could not tell me the amount of the charge-off because of the account being closed but assured me that I had a {$0.00} balance. When I asked the SCRA department how did they get this information as I was expecting an adjustment ( interest rate was 28.99 % ) with the account being at a {$0.00} balance since XXXX, they said that they went by my statements. I ask about that because I was told they could not retrieve the statements so how could they verify that an adjustment would not be made to my account. I have tried to call customer service multiple times over the past month ( I have a copy of phone to show the amount of calls ) about obtaining my statements and called today to acquire my statements since that is what I was told by the SCRA unit was used to make a determination to be told that because the account is closed that they could only provided me with a {$0.00} balance statement and they do not have the statements to provide me.

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I obtained a Home Equity Line of Credit with predecessor in interest, Washington Mutual. The loan was secured by a Deed of Trust on my property. On XX/XX/XXXX, the loan was paid in full and a Substitution of Trustee and Full Reconveyance was recorded because the property was sold. 

Even though the account was paid the bank continued to maintain the Home Equity Line of Credit and collected between $ XXXX {$35000.00} in wrongful payment. 

On XX/XX/XXXX after various correspondences with Chase, they agreed to cancel the debt in the amount of {$53000.00} but not refund the payments from XX/XX/XXXX to XX/XX/XXXX. 

I had hired a lawyer but can no longer afford him. He mentioned that next steps would be to sue Chase for the wrongful payment but I don't have the means to do that. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: LEXISNEXIS
State: AR
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:
Re : CFPB Case # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: TN
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:
I sent a letter to Dispute two collections from the company medical financials on my equifax credit report. I dont owe these amounts. I mailed supporting documentation that proves that information is inaccurate on my credit report. Equifax sent me a letter stating that collections would not be removed. My rights are being violated, I would like these collections removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Investigation took more than 30 days

Complaint:
I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 3 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 3 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.

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 2018-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as Experian you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.

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 2018-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One Credit Card " restricted '' my card for possible fraudulent purchases. Called to verify the restricted charges and was told that it could not be re-opened. That a fraud report would need to be filed and new card issued even though there was NO FRAUD. The company would not be able to re-open my account so I can continue to make purchases. I explained that I had automatic payments assigned to the card and that it would be a major inconvenience when there was no issues or attempted fraud. Also I would need to wait for my new cards 6 business days or pay approximately XXXX dollars for EXPEDITED delivery. This is ridiculous and reeks of bad service for a exemplary customer with no late payments and stayed with in credit limit for over 15 years. I am severely disappointed, angry, and frustrated with Capital One. I will need to review whether I stay with Capital One. If I am able to find a lower percentage rate, I may consider moving my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Monarch Recovery Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Monarch recovery services has repeatedly contacted my employer and even informed person that answered what they were calling for and who they were - that information is not supposed to be shared with people I work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports are still showing inaccuracies.

15 U.S. Code 1681s2 the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Stearns Ventures, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did. 
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.

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