BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: NJ
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 sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 
They Have Allowed XXXX XXXX, and XXXX XXXX XXXX, to Post incorrect And unverified information on my credit report for over 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Self Financial Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Self Inc. notified me that they would be closing my Credit Card account by XXXX CT on XX/XX/2013. The email instructed me to contact their support team before XXXX if I did not schedule the closure. However, they sent the email at XXXX. They subsequently sent me a Notice of Adverse action that said the reason for termination was that they were " unable to verify customer information. '' I then went to their website and they said that they will not re-open an account but that I may re-apply for a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - Applied for a mortgage refinance with Amerisave for a condominium XX/XX/XXXX - Paid {$500.00} application fee XX/XX/XXXX - Loan estimate provided with No appraisal required XX/XX/XXXX - 2nd Loan estimate provided XX/XX/XXXX - Closing Disclosure provided with tentative closing date XX/XX/XXXX - Amerisave changed Homeowner insurance policy to their name effective XX/XX/XXXX XX/XX/XXXX - Received text message to submit documents. Logged in but nothing is required XX/XX/XXXX - Received same text message to submit documents. 
Logged in but nothing is required XX/XX/XXXX - Revised Closing Disclosure received with Closing date XX/XX/XXXX ( Disbursement XX/XX/XXXX ) XX/XX/XXXX - Received same text message to submit documents. 
Logged in but nothing is required Amerisave changed their rule to require appraisal and set up appraiser appointment on XX/XX/XXXX XX/XX/XXXX - Received email that application is closed due to incompleteness All required documents have been submitted on time throughout the process, with the exception that they suddenly require appraisal. 

Amerisave did the following : 1. Intentional and deceptive practice in demanding documents and holding longer review ( condo review document took at least 3 weeks ) 2. Switched homeowner insurance prior to loan closing signing 3. Did not provide services as intended 4. Created undue burden on loan applicant to pay for additional discount fees on XX/XX/XXXX when seeking other loan arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2021 I called Hyundai Motor Finance to transfer my title held by them from XXXX to XXXX. They sent me an email to respond to with the documents the need to send to XXXX. XXXX gives me 30 days to register my vehicle after moving. On XX/XX/2021 I went to the DMV to see if they received the documentation from Hyundai Motor Finance and they did not have it. I then called Hyundai Motor Finance and they had no record of my transfer request and they could not contact anyone in their title department to find the request. They told me to resubmit the request which could take another 15 business days to process. There was no one I could escalate to that could contact the title department to fix the issue with their process. This is unacceptable as my insurance called me to end my policy since my car is registered in a state I don't live in. My registration also expires on XX/XX/2021 which I am unable to renew since I no longer live in XXXX. Now because Hyundai Motor Finance dropped the ball I am unable to drive my family 's only car.

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 2023-04-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They told me about this great Pandemic relief program.. And are not wanting to defer or modify.. also of the financial numbers don't add up. I don't understand how. Can't get person of contact on the phone or email back...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 I XXXX XXXX request help concerning my refinance by Wells Fargo Mortage that is being handled with total incompetency, rudeness, lies, and riddles of total confusion. I need a straight and truthful answer concerning my loan estimate ; also I need a copy of my appraisal for my review. I have been treated like my request for cash out refinance for my home is not even important. I have to constantly babysit my loan process. All of my information that was requested was turned in promptly after I was treated like I was to ignorant to comply, I tried so hard to inform the representative that all of my funds were deposited directly to a XXXX XXXX card and not a bank, I was still pressured and told to walk in a bank and request a bank statement. A decision for my cash out amount was made already. I still have not yet received a copy of my appraisal for review to see if my house even received a far market amount I was told that the appraisal had been uploaded and the amount was XXXX. I have to practically beg for everything. I was even told buy a representative who said " I don't have time to call you all day ''

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-10-28
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Their investigation did not fix an error on your report

Complaint:
Sent cerified mail and made several phone calls with Transunion about reporting inaquate information on my credit report leaving me with problems on my credit report.

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 2023-06-04
Company: Credit Bureau Data, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are attachments with letters/statements/emails. They as threated that I would be arrested multiple times both by the original creditor and the debt collector. They advertised a credit card with auto pay, but if you weren't approved you got a debit card instead. They left that part up. I did not sign up for that. Statements look like a credit card. Say XXXX  department. Have a credit limit. Have a min. amount due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2021-04-15
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
just check my credit report and have derogatories accounts that does not belong to me at all from I.C System INC, Amounts are : {$900.00} and {$1900.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. 

Need that removed from my credit ASAP its been really hurting my score!

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 2019-08-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested proof of ownership several times via certified mail. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again on XX/XX/2018. I have disputed this account with the collection company and all three credit reporting agencies. I have requested proof of ownership and have received no proof just different offers to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Their investigation did not fix an error on your report

Complaint:
I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT

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 2017-12-19
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am not able to make my payments and Sallie Mae does not care. They only offered two payment options that would increase my monthly payment even more then they already do. I have called multiple times and nothing was done to help. They told me to not pay it so I can get calls from their collection agency. I live with my grandma and I help pay the bills and I barely have enough to make it day to day. I can not continue paying $ 1000s of dollars going up so much each month. And no one will consolidate because I dont make enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint with the CFPB on XX/XX/2023 against OneMain Financial because an alleged agreement we entered into was not fully disclosed to me so that I understood every right afforded to me as a consumer in the consumer transaction. They responded through the CFPB on XX/XX/2023 stating that the matter was being investigated. Therefore, pursuant to 15 USC 1692g all attempts to collect any alleged debt should cease. I received a statement which is attached to this complaint with the amount of an alleged debt and late charges as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
There were multiple fraudulent charges on my Capital One credit card on XX/XX/XXXX and XX/XX/2019. Capital One reimbursed me for all but one. It was a duplicate charge for {$460.00} on XX/XX/XXXX. I disputed the charge with Capital One and it was denied. I also contacted XXXX  and they referred me to Capital One. Additionally, I submitted a letter to Capital One on XX/XX/2019 detailing their error. 

Documentation provided by XXXX  shows that products were picked up in XXXX XXXX, XXXX and XXXX, NY. I live in New Jersey in the vicinity of 3 XXXX stores. Why would I travel to New York to purchase and pick up products? This was clearly identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
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: Old information reappears or never goes away

Complaint:
Continuing to allow accounts to report that should have been removed a long time ago because the accounts are in an bankruptcy! Bankruptcy accounts are used against my credit report twice and has been going on for years!!! 

Equifax allowed an old finger hut account to flag my credit report for no reason! This account is currently in an old bankruptcy and I demand it removed at once! Along with other bankruptcy accounts that continue to report DEROGATORY that is against fair reporting and violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have had issues with unauthorized accounts being opened in my name and have been back and forth with numerous creditors in an effort to resolve these issues. More recently, I finally was able to prove to the creditor that the debt was in fact not authorized and it resulted in the creditor removing the accounts from all reporting agencies except for Transunion. Not only is this account still present on my report after it was removed from the other two at the request of the creditor but the account is being reported as derogatory and it is indeed not a derogatory account, just an unauthorized one. Additionally, I request on numerous occasions all remarks on this account be removed, and yet all things remain. 

The account in question XXXX : XXXX Opened ; XX/XX/2014

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