BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: OPORTUN FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, I applied for a loan through Oportun/XXXX XXXX I was approved for the loan in the amount of XXXX to be issued in a form of a check within 10 business days through the mail. I signed a contract on XX/XX/XXXX. XXXX and payments were to begin on XX/XX/XXXX of XXXX. I called on XX/XX/2022 to get a staus of the check and was told check had been issued on the XXXX XXXX. XXXX  and the check should be recieved by XX/XX/2022 through certified mail. The check did not come and I called customer again on XX/XX/2022, and was told that the check was sent out of XX/XX/2022 through regular mail, and it takes 10 business and I should have received check already. I waited unitil Monday XX/XX/2022 and still no check. I call again on XX/XX/2022 and explained I was given two different dates the check was sent out, and I had not received the check. The rep stated he saw in the records that two different dayes was given, and he would get with a supervisor. The rep state supervisor will escalate the matter and see if they could track the check, and I would receive a email on the tracking of the check in two days, and I should be receiving the check before Friday XX/XX/2022. I have contacted customer again, on XX/XX/XXXX and still no help. I have resquest for loan to be canceled due to none funding of loan. The rep stated I would have to call back in 7 business days to see if loan would be canceled. It has been 3 weeks, and I have not received the loan money in the XXXX for the contract that was sign. I am looking to take legal action for Oportun 's unethical behavior of agreeing to issue a check with a sign contract, and did not follow through with agreement. At this point, its been pass the 10 business days, and I wish for the loan to be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are some accounts on my report I do not recognize

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 2017-10-26
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Volvo Car Financial Services U.S., LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a lease with Volvo Financial. I want to trade in my lease for a XXXX product. Volvo will not accept a payoff check from the XXXX dealership. They will accept it from me, but not another dealership. They are forcing me to turn my vehicle into them, and incur end-of-lease charges and milage penalties, or trade-in my vehicle and remain in a Volvo. I can not afford to make the payoff myself, without the help of a trade-in process, which Volvo Financial is preventing from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX Credit Card. 

I have been reported by XXXX for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 

I was reported to have missed XXXX payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

XXXX reported my account as having missed XXXX billing cycles. XXXX for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop.

I have spoken about this to them 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 2017-10-26
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

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 2022-04-01
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are 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 XXXX. I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I 'm based in the XXXX and sent funds to coinbase.com to purchase some cryptocurrencies. 

I made 4 payments to Coinbase but forgot to include the reference number XXXX. My first payment made in XX/XX/XXXX did have this included. You 'll be able to see it 's the same bank account. 

Amounts and date sent :XX/XX/XXXXXXXX Euros sent. Bank Reference/Transaction ID  XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX Support case ID Case ID : XXXX was created : XX/XX/XXXX XXXX PST. However, there have been no responses via their support portal or twitter ( as per their recommended procedures ). Telephone number XXXX ( XXXX ) XXXX has been listed however they will not discuss deposit or withdrawal enquires leaving me dependent on their portal as the only means to try and establish some contact. 

My account details with Coinbase are as follows : Name : XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions 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:
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XXXX/XXXX/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 2022-04-01
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lease acct XXXX Hyundai. This is a colossal nightmare. My lease is 3 months old, and for 3 months this has been a disaster. They originally took out 2 payments instead of 1. I finally got that figured out, the website and recordings are all completely incorrect and Hyundai told me not to pay attention to them. It got to the escalation department and I was told last month not to worry that everything had been corrected and that they would keep an eye on it. Today I got an email that my XXXX payment couldn't be processed as my bank info was incorrect, the same bank info that I gave to the escalation department, and they read back to me. Today I was forced to make a payment over the phone ( my account has been locked for website payments by them ). and had to pay {$47.00} dollars extra in fees and a late charge. I want this fixed and my {$47.00} back..

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 2021-11-09
Company: PROVIDENT FUNDING ASSOCIATES
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage to refinance my current home loan. As part of the application, an appraiser came to put a market value on my home. During the appraiser 's visit, he wanted to take interior pictures. I asked him not to do so and he complied. The mortgage company contacted me later and said they would not process my mortgage application without interior pictures. I supplied them with interior pictures that I had taken myself, from which I had redacted anything that showed a personal element of my home, such as furniture, photographs, art, and books. I also redacted anything that showed security system elements.

The mortgage application was 100 % complete, absent interior pictures taken by the appraiser himself. The mortgage company informed me that they could not process my application without the pictures, and that after internal review, they would not accept the ones I had provided. The rate lock expired and I can no longer take advantage of the lowered interest rate I would have achieved with this refinance. 

Additional facts that I feel are relevant to this complaint : *The mortgage company involved holds my current mortgage. It is a 15-year mortgage that I have had for 6 years without once missing or making a late payment.

*The refinanced mortgage would have been for an amount that is approximately 10 % of the market value of the home, as confirmed by the appraiser in
his report.

*I provided financial statements to the company that clearly showed I have sufficient assets to pay off the current or refinanced mortgage completely at any time, as well as sufficient income to easily support monthly payments. 

Given the low risk to the mortgage company for this loan, I do not see the need for this egregious invasion of my privacy. I have already allowed the appraiser to enter and visually observe every space in my home. I can not fathom the need for him to also permanently record every aspect of my personal space. I was given no assurance that the digital photographs would be stored on secure devices, would be transmitted only by secure electronic means, would not be shared with unauthorized persons, and would be deleted from all systems at such time as they were no longer needed. I feel I am fully justified in not allowing these pictures to be taken. As stated, I met the mortgage company more than half way in offering to provide pictures I had securely produced myself. I am sure I am not the only U.S. consumer that was affected by this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to work with Bayview for mortgage assistance but feel I can never get anywhere. I have never been assigned a point of contact, I have not been provided with a fair and proper review and am being turned down for reasons that do not make any sense. I am not being provided options to save my home, in return I am being forced to this foreclosure and losing my home. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered the Deed of Trust shall be void ab initio. My right has the borrower have been severally violated and at this point all Bayview wants to do is leave me homeless. I am always having to contact them and never vice versa, this whole process is very draining and mentally exhausting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased jewelry from XXXX that was advertised as XXXX XXXX XXXX. It was not. I have a letter from XXXX XXXX stating so. I started a claim with Bank of America ( the credit card issuing company ) for the return of my {$63.00} spent on this counterfeit product. After submitting some documents to the bank they issued me a credit for the above amount. Then the merchant submitted documents showing proof of delivery and the bank reversed my credit. The merchant 's submittal discussed nothing about the heart of the problem -- counterfeit product. The bank then sent correspondence to me asking for additional info. I did not respond to this request because the case numbers on their correspondence did not match up, so I concluded that the left hand of the bank did not know what the right hand of the bank had done. Then I got a letter from the bank saying the case was closed because of time and deadline issues. I have since sent documentation to the bank as well as discussing the matter on the phone but have received no satisfaction. I have tried to explain to them that the timelines imposed by the Fair Credit Reporting Act do no apply because this is not a billing error but rather an issue about quality of product. The people I have dealt with do not understand the legal significance of this. Please help

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 monetary relief
Consumer complaint received 2020-05-19
Company: Home Loan Center, Inc.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor LendingTree indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by LendingTree ) including XXXX last few weeks, but nobody, except XXXX, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 non-monetary relief
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I uploaded on experian.com/XXXX  successfully my dispute letter and credit report to Experian about public records they are reporting by error on my credit report. I also provided them with a copy of my driver 's license with my current address to provide identification. 

I called yesterday XX/XX/XXXX to check on the status of the investigation but the representative said that they had not investigated anything received onXX/XX/XXXX. Experian is suppose to contact the data furnisher of this disputed information within 5 days of a dispute. They did not and this is a violation of the Fair Credit Reporting Act.

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 2019-02-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to get a loan modification and my lender escalated my loan to foreclosure and I was forced to file for bankruptcy protection. I am now gainfully employed and I am ready to modify my loan and bring my account current.

Company response to consumer: Closed with explanation