BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
called company and spoke with a Supervisor regarding my credit report showing a late payment in XX/XX/2017. This was during the time XXXX hit the gulf coast/XXXX area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: MO
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 was a victim of Identity Theft and I am a victim of Identity theft and that the items I am disputing do not relate to any transactions that I have made or authorized. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : XXXXXXXX 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 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 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 2022-02-11
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We were in a car accident XX/XX/2022. It is now XX/XX/2022 and we still have no resolution to anything. Our insurance company is XXXX. XXXX has been trying to get ahold of Ally Auto for over a week now to get the loan paid off as the car is totaled. Ally refuses to respond to them. Finally after several days of them trying to contact Ally with no response we ourselves had to do a XXXX way call to Ally with XXXX on the line to get them the information they needed to pay the loan off. Even after that, Ally said they are not going to respond to XXXX for another week. XXXX uses an electronic portal to resolve this kind of stuff with auto loan companies, and Ally does not. They wont speak to Ally over the phone, they will not call them, nor will they return calls when messages are left. Meanwhile, even though they know the car is totaled and being paid off, they refuse to do anything in a timely manner and are charging us more every day for the loan by purposely dragging it out. They will not lock in the amount due. 

XXXX have repeatedly asked for a supervisor to speak with. They refuse to give us one. They say they are in meetings all day every day. The one time they did transfer us to one, the phone rings and then just hangs up the call. XXXX been able to leave a message with one supervisor, who did not call us back, and then we were given the phone number of another, XXXX XXXX ( 501 ) 821-8120. She does not return phone calls.

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 2018-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
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:
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

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 2022-02-11
Company: EQUIFAX, INC.
State: PA
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:
First of all, I've now opened up over XXXX CFPB complaints against Equifax. The CFPB really needs to take action because Equifax, being the WORST of the XXXX credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, policeXXXX FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my XXXX credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at Equifax because they took off this XXXX credit card that has been repeatedly asked to be added back on for almost 4 years now by both Equifax and XXXX. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the XXXX card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, Equifax, and XXXX to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently moved my existing student loan from myFedLoan.org to another company to get a better rate. Up until that time, I admittedly had not been paying proper attention to statements, which -due to poor design- are frustrating/confusing. In any case, based on the most recent statement, I completely paid off the debt managed through myFedLoan on XX/XX/XXXX and received a cryptic ( only one of two accounts was noted ) notice to that effect onXX/XX/XXXX. <P/>I later determined, based on statements provided by myFedLoan, that I 'd overpaid and was told by the new lender, that myFedLoan would send the difference on to my new account holder, where it would be credited to my new account. <P/>When that was n't done, I went to myFedLoan website and instead of an account with a credit or a closed account, it showed that I owed an additional $ 2k+! On XX/XX/XXXX, I called myFedLoan and talked to support and then a supervisor and was told that they 'd review my account within 10-14 days and I 've had no contact since. <P/>However, since then, I 've been looking at statements and payment records and am appalled at their record keeping and their management of my account. Statements do n't match payment records and do n't provide basic information - how the last payment was applied, for instance. <P/>In short, there are two issues that I believe need higher review : first, my account and it 's management and second, their overall management and record keeping practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: SUN LOAN COMPANY INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
they will not give me validation of the debt and never told me or called me about the debt

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 2018-01-02
Company: EQUIFAX, 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:
Hello ive been a victim of identity theft and i recieved my credit report through equifax and i noticed that i have some inquires on my credit report and there are 15 of them i didnt apply for 14 accounts in my name the only inquiry that i apply for is XXXX XXXX on XX/XX/XXXX with a credit line of XXXX I didnt apply for XXXX inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i didnt apply for these and i contacted Equifax few times and they open up investigation and send me a letter and didnt do nothing and told me to contact the creditors directly and i did and none of them didnt remove my inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Navient Solutions, LLC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pioneer Credit Recovery , Inc contacted me about my ex husbands debt. We have been divorced for 7 years and I have no financial affiliation with him at all. The phone number they called from is XXXX ( XXXX ) XXXX and the call back number they left in the voicemail is XXXX. They were trying to shake me down using scare tactics to get me to pay money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: NM
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 one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment  account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Vengroff Williams kept on sending me collection letter which I've already paid for.

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: 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:
Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX data breach in 2017 where my information was compromised.

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 2019-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXXof this year, I received a letter from Select Portfolio Servicing stating that my escrow account had a shortage of {$7000.00}. Reviewing the letter I realized that my Enhanced Star and  Senior Exemption had not been applied. 

I called my SPS to inquire why my exemptions had not been applied to my taxes, and I was told, that they had no knowledge that I had any tax exemptions. I stated to the representative that I had received the Enhanced Star and Senior Exemptions for the prior tax year XX/XX/XXXX-XX/XX/XXXX and there was no problem having it applied and what was the issue with applying it this tax year. 

I faxed paper work on XX/XX/XXXX, to back up my claim that the shortage was incorrect and that between the escrow balance and my state tax exemptions there was more than enough to cover my property/school tax bill. I called in the middle of XXXX to to verify that they had reviewed the documentation I sent and made the correction to my account. I was told it was received and they were working on it. 

I followed up again in early XXXX and was told that it was being worked on, but when the representative looked in the computer, the documentation I faxed had not been forwarded to the tax and escrow department. The representative advised that she's forward it to the tax and escrow dept, but it probably wouldn't be reviewed until XXXX because that was when my school taxes would go in. 

XXXX has come and gone and I have not received a statement for SPS for my school taxes and each and every time I call, which is roughly weekly, I'm being told they are working on it. I receive a school tax bill and receipt every year in XXXX, this year nothing. 

The enclosed are proof of my enhanced Star and Senior exemptions for XXXX and XXXX. I also included receipts from prior years where my state tax exemptions were applied with no issues. My prior years taxes paid and no shortage. My town assessor 's office sent me a letter to inform me that SPS had called their office and they provided me the same information she gave them. They also told me like last tax year, there is more than enough to cover my tax bill for this tax year, and I will get an overage check just I did last year. 

My mortgage servicer is not being hoenst and they are not doing ethical business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 2018-01-02
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. 

I sent an email for clarification and they confirmed this offer. I then made an advance request. 

14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. 

I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Exeter Finance Corp.
State: GA
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 pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have called, emailed XX/XX/2018 and tried to log into my account using the same credentials I set the account up with. After several months, the company, 'Coinbase Pro ' would not allow me to login and stated it did not recognize my device. It required me to upload my US gov issued Drivers license including the back ( with barcode ) over an unsecured transmission. A clear screenshot was required, or I could take a photo while accessing the device using my phone or webcam. Again, both methods are insecure and no one has legal right to store my ID or photos of me and the devices I use to access my accounts. I have received email correspondence from Coinbase Pro reiterating the same requirements over and over without resolving the matter or calling me to resolve the matter. 
I have purchased and traded with other exchanges and not had any problem between them ( XXXX ) until I changed my email address. Since they can not send me a confirmation by email and they have no other dual authentication set up it has been months since this began and it has not been resolved. 
I can not access : XXXX {$95.00} XXXX {$100.00} XXXX {$50.00} XXXX   XXXX TOKENS XXXX XXXX TOKENS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
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: Account status incorrect

Complaint:
XXXX XXXX auto loan was discharge through my chapter XXXX bankruptcy, on my experian credit report it stills shows that its open, they have not updated the status its been four years now and the other two credit reporting agencies showing that this account is closed. Experian is still showing that its still opened.

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 2019-06-29
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a XXXX loan in XX/XX/2019. Since XXXX I have had almost XXXX deducted from my bank account and the balance is still over XXXX. Each time I call to get an answer regarding the balance and the terms of the loan I'm told its not a set time limit and to pay it off asap. I asked if this company was licensed in Virginia to do business which is my state of residence and was given an answer that didn't make sense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello there - This is regarding refinancing my 30 Years conventional fixed Mortgage from quicken loan to XXXX. The closing date, we decided with XXXX was XX/XX/XXXX and disbursement date was XX/XX/XXXX. Everyone was on track including new lender ( XXXX ), me and Title company ( XXXX XXXX ). XXXX disburse ( thru wire XXXX the amount per Pay off + 5 Days more interest on XX/XX/XXXX to quicken loan. Somehow they ( XXXX XXXX ) wired the fund to Quicken crossed the federal cut off time and quicken received the funds on next business day, Monday, the XX/XX/XXXX. 

Quicken charged 3 days ( For XX/XX/XXXX & XXXX ) additional interest one the top of Pay off which we received initially. Being a consumer, I am ending up paying double interest to quicken as well as XXXX ( For XXXX XXXX ) despite being on time from my end. 

I feel quicken shouldn't be taking 3 additional days interest as Title company ( XXXX XXXX ) already initiated wire on disbursement date ( XX/XX/XXXX ) hence I tried resolving with them directly, they said they will not revert the interest for these 3 additional days. Similarly, XXXX already taken 3 days interest for the same period through pre-paid and they are saying that I should reach out to quicken to get my interest refunded for XX/XX/XXXX thru XX/XX/XXXX. 

I do have all the evidence ( such as emails, chats ) that I tried with quicken and it is not resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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:
On XX/XX/2021 I mailed Trans Union a letter informing them that they were reporting collection debt of {$830.00} to XXXX XXXX, that was not my debt. I requested validation of the debt from TransUnion as XXXX XXXX. As of date XX/XX/2021 neither parties have responded.

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