BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-31
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.

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 2017-07-12
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: Their investigation did not fix an error on your report

Complaint:
I have requested validation of a debt listed on my credit report from XXXX XXXX XXXX also listing their information as XXXX. I have never borrowed any sum of money from the XXXX and I have asked them numerous times to prove the loan source. None of this information is listed with the XXXX XXXX XXXX which is the actual lender for school settings.

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 2017-07-12
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have paid our mortgage, on time and in full ( actually, recently paying a little over the specified amount every month ) for a year now. The company will NOT allow us to delete the escrow account, and pay our own homeowners insurance and taxes, which we are more than capable of doing, on our own. They have " claimed '' various reasons. One being that we " should have requested that at the time of closing '', when NO ONE offered us that option or we would have chosen to do that. Another reason is that our " debt to loan ratio '' is too high -- 88 % as opposed to the desired 80 % -- when we have been told 2 other figures i the past.

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 2017-12-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
**Applied for and was approved for a personal loan a total XXXX **In the granting process I put up a vehicle title **I made regular timely payments monthly **I walked into the financial loaner with an outstanding balance owed - XXXX **I made a substantial pay-down to the balance with XXXX remaining very minimal outstanding balance XXXX **made repeated requests and pointed out - the XXXX XXXX holds greater collateral then that of the small personal loan remaining of XXXX **repeatedly requested they renegotiate the loan, release the title, lower the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL
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 have a collection on my credit report from Iq data international and after disputing this alleged collection with the credit bureaus it came back verified. So i wrote the original creditor and this collection company and ask for validation and the original signed instrument for proof this account belongs to me neither have answered me back. You can't verify an account through XXXX a physical person has to certify under law that the account belong to me and that the statue of limitations isn't up on the debt which it is in my state of Alabama and that they have a license to collect in my state. Which they haven't provided proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: LA
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:
Accont was never in collections and original creditor was paid in full. 

The collection agency " XXXX '' was hired to collect a debt of {$250.00} originally owed to " XXXX '' on account number " XXXX ''. 

Collection agency XXXX Original balance {$250.00} Current balance {$0.00} Date assigned XX/XX/2019 Original lender XXXX Account number XXXXXXXX Account holder Individual Account descriptions Consumer disputes this account information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent via mail to all 3 of the credit bureaus requesting ( 7 ) inaccurate information be deleted from my credit report. 

Please note supporting evidence has been produced under the doctrine of estoppel by silence Engel v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debts nor therefor any such debts in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX, XXXX, XXXX XXXX and XXXX has fraudulent accounts on my on my credit profile that need to be remove immediately.

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 2022-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One sent me an email on XX/XX/2022 in regards to suspected fraud for a charge of {$55.00}, the charge was declined and if I did not make the purchase I should contact their fraud department. I contacted their fraud department immediately and informed the customer service representative that I had not made the purchase and this was in fact fraud. The representative advised she would be canceling that credit card, issuing a new credit card and submitting a request to have a {$55.00} credit applied if the fraudulent charge posted to my account. On XX/XX/2022 the fraudulent {$55.00} charge posted to my account and there was not a credit applied or pending to cover the charge as I was informed. I waited an additional 24 hours to see if the credit would appear and it still has not shown as applied or pending as of XX/XX/2022. I contacted Capital One Fraud department XX/XX/2022 to inquire why the {$55.00} credit had not been applied to my account as the charge had posted and was informed the credit can take up to 3 business days. I requested to speak with a supervisor because this was not the information I was provided on XX/XX/2022 and now I will be running the risk of this fraudulent charge impacting my credit due to my billing cycle ending within 3 business days. I spoke with a supervisor and informed her of my concerns of this fraudulent charge being billed and incorrectly being reported on my credit report and she also said it can take 3 business days. I informed her the representative I spoke to XX/XX/2022 advise the credit would show as soon as the charge posted and the supervisor said that was incorrect. I informed her if I made the payment today it would post today so I didn't understand how the company applied credit couldn't post sooner than 3 business days, she basically said that's just how it is and I can feel free to make the payment if I want. I disconnected the call. Both representatives of the company completely disregarded my concerns of this fraudulent charge being reported on my credit report and never once even offered that they would submit a request for reporting correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: EQUIFAX, INC.
State: IL
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:
Equifax is still reporting a derogatory item on my credit history that should have dropped off in XXXX XXXX. I submitted an online dispute with Equifax on XXXX but did not hear anything. I mailed them a request for a new credit report ( and included all requested documentation ) on XXXX but did not get a response. As of XXXX the item is still showing up on my account at XXXX ID from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My name is XXXX. I want say, this to XXXX XXXX and not previous complaint I made last year 2021 XXXX XXXX Previous, complaint I did, it did not help me forget about this because is irrational and offensive to say a thing like that. 

" Our decision will not change '' I want this complaint consider as a hate crime a buisness against a consumer in a need. Based, of last year response. 

I'm here because I want to report Chase bank a compliment and clarify I want to be able to bank again. 



I believe this is a mistake and I'm going to forgive them. I shouldn't be banned and this is all wrong. 


It is, wrong to cause some one that, the person has nothing to do about charges or anything I'm respectfully asking to put a stop end this nonsense I want be allowed to bank again. 


We know, your the chair man of this bank Chase. 


XXXX, previously I had complained about this before. I do feel this wrong and shouldn't be taken this action. Banning me is, like hurting my life. 




How far, do you want to go about it? Why am I'm only one complaining?

Because one the others representive won't gave me understanding about why am I'm banned of opening an account? 



Is there limit how many times can client open after closing an account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX I sent Transunion a handwritten certified letter in regards to four accounts listed below. In the letters I requested Transunion send me verifiable information namely the original contract signed by me, in according to the ( Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. ) XXXX -- XXXX XXXX XXXX -- XXXX XXXXXXXX/ XXXX -- XXXX Each time Transunion has returned my request with no original contracts only a summary stating Verified and lastly Updated. Neither is what I requested in my letter to Transunion. Nor did they offer an explanation of their verificatio XXXX method. My request is simple either Transunion offer me the original contracts of these 3 accounts or in turn remove them from my credit report just as XXXX did. 

Thank you for your assistance in this matter.

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 2017-12-31
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: SYNCHRONY FINANCIAL
State: SC
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:
Unauthorized inquiry that I DID NOT AUTHORIZE nor gave consent for BelkXXXX to do. Validate that inquiry with proof.

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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello Im XXXX XXXX and I have been receiving inflated fees and premiums from Carrington for the last three years. My fees and premiums started out at {$760.00} and then {$820.00}, and now {$860.00}. There is no reason my premium should rise, I am a realtor and have access to my taxes, they have not risen, I have access to my insurance it has went down from {$1100.00} a year to {$520.00}. I believe that Carrington Mortgage has violated my consumer rights and the Fair Housing statues. I will contact the appropriate government agencies to investigate my account and Carrington Mortgage Service LLC. I have previously contacted financial service for the government thru the FTC to complain about the Carringtons discrimination practices in my refinancing process and now I discover another inflation of my fees and premium. I believe that my account is being padded financial gain and is unlawful, I have had no previous notices explaining non-of the increases, which should not have been. With my insurance going down and my taxes going down my premium should have been {$760.00} for the last 2 years. I request that Carrington credit my account or send me the access fees. I believe I am a victim of I financial crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi here we go again with Wells Fargo,2nd complaint in 1 week.I have a escrow account thru my mortgage that pays my property insurance.The letter from XXXX XXXX  attached claims they did not make this payment, which was due b4 XX/XX/17, today is XX/XX/17 & is asking me to pay it.Wells Fargo I am really getting tired of your non-stop XXXX & pay XXXX what is due them.Also this affects my insurance as it will show up as a late payment.XXXX  wants there money now which should have been paid 2 months ago.Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
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:
I am making a complaint against WELLS FARGO HOME MORTAGE COMPANY I have an open investigation with Wells Fargo Home Mortage Company who refuses to fix a error on their part I Filed a bankruptcy and wells fargo was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and WELLS FARGO REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!

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 2018-06-03
Company: Ad Astra Recovery Services 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:
XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am filing a second complaint against XXXX because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/2018 and the information with regards to Wells Fargo remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/2018 which brought the account current and placed the account under my ex name. Despite my continued efforts to get XXXX  to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.

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 2022-01-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account with CITIBANK and deposited {$10000.00} on XXXX and was suppose to receive a {$100.00} Bonus after 60 Days. My account was hacked due to CITIs negligence and fraudulent transactions were made. CITI made me close the account and open a new one and they did refund the monies that were fraudulently transferred. The refused to give me my {$100.00} bonus even though I met sll the reauirements.

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