BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: BlueChip Financial
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, XXXX and Transunion were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.

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 2020-10-05
Company: Solidifi US, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
This complaint is against Solidifi XXXX XXXX XXXX  XXXX  bsolutely terrible customer service. I am finalizing a cash out refi and my lender has been great, but Solidifi is terrible. The Truth in Lending Act mandates a 72 hour period in which I as the borrower am allowed to cancel the contract. So I understand that the funds cant be dispersed until the 4th day after closing, but this also factors in Saturdays. So I closed on XX/XX/XXXX. It is now XX/XX/XXXX, and the funds have not been dispersed. I have little confidence that they will disperse the funds within the lawful period of time and I am worried my previous lender will give me a derogatory mark on my credit report. I have tried calling several times today and have waited on hold for over 30 minutes each time totaling to over 2 hours of hold time. I am literally on hold right now as I am writing this review. As a consumer and someone who has owned multiple businesses, I am appalled with how little you care about customer service. You are in possession of MY money, and you're being paid for a service. If the funds are not dispersed TODAY which is the deadline in the closing documents that were signed, then I will be filing a complaint with the CFPB. This will most likely occur because it is now XXXX EST. I have been trying to reach them since XXXX EST. They don't even provide an email address to contact them, or offer a call back option. I have worked with smaller title companies in the past, and they usually have a reception desk capable of answering a call within 30 seconds. Had I known this is what would occur working with Solidifi, I would have told my lender to work with a different title company. The closing documents specifically state that the disbursment date is XX/XX/XXXX. documents available upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
hello i have hardinqieries on my credit report that was not me XX/XX/XXXX EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Was not notified of investigation status or results

Complaint:
Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX XXXX  was the servicer of our mortgage. We aske for a modification in XXXX of XXXX so that we could us that money to catch up on some debt due to covid. we were allowed to not pay for XXXX, XXXX, and XXXX of XXXX. The modification was to roll these payments to the end of our load. We signed and notarized the modification paperwork and sent it in. In XXXX we were sent notice that our loan had been sold to a different servicer call BSI. We maintained paying our loan which I have the bank statements to prove, but since the modification wasn't completed by XXXX XXXX, even thought we signed the paper work and sent it back to XXXX XXXX. it has been almost a year waiting for BSI to get the account cleared up. I have received a loan statement dated XX/XX/XXXX that states I owe {$11000.00} in back payments. They have my account listed on their website as being behind 224 days, and they have reported to the credit bureaus twice that I am 120 days behind. Causing our credit average to drop nearly 100 points. I have contacted them by phone and e-mail to try and get them to stop the modification process and let me refi since the rates are now lower than what they are giving. Since they have reported my " late '' payment I will not be able to qualify for a refi because of there predatory attitude to my account. I would like some help in clearing this account knowing where the account balance is, so that I can refi with a company more reliable then BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACSXXXX is a student loan that has been paid in full and should not be a delinquent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise. 

I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back. 

My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default. 

The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin  with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax. 

After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said. 

First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother passed away XX/XX/XXXX. My father passed away XX/XX/XXXX. After receiving my father 's death certificate, I went to Wells Fargo bank to have the account closed on two separate occasions. The first time was after my father passed away, and then a second time after I kept receiving bank statements showing that Wells Fargo was steadily charging monthly fees regardless of me personally providing the bank copies of my parents death certificates on two separate occasions. Wells Fargo intentionally allowed the account to remain open to deplete the account of its funds. Each time I provided the original death certificates, Wells Fargo kept my parents ' account open. I was the caregiver for the both of my parents. My parents made little money, and to see a financial institution continuously take money from poor people was unethical. Wells Fargo refused to close account and continued to send monthly statements to my home. I stopped opening the statements as it was painful to see what the Bank was doing to me. My son was diagnosed with XXXX XXXX. At the time, I wanted to retrieved the money for my son, as my son was named after my father and my parents considered my son as their own child. 

At the time of my father 's death, the checking account balance was around {$1200.00} ; however, Wells Fargo only sent {$440.00} to Unclaimed Property. I would like Wells Fargo to do the honorable thing and return all monies taken out of account ; as I was told by their employees that the money would be returned. Although, I think they lied about that too. I considered Wells Fargo actions as the rich stealing from the poor. No government agency should allow such unethical behavior to go unpunished. 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 explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
As you may be aware of, the issue with Rushcard is a big concern. As like many other Rushcard customers, I was not able to access my funds. I also experienced issues with my direct deposit. I think it is ridculous for this company to only offer a fee free trial period for all the damage they have caused, on the other hand, I am not surprised by their actions, it only goes to show that the rich do not, never have and never will care about low income civilizians.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: The Outsource Group, Inc
State: NC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.

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 2017-02-23
Company: AAS Debt Recovery, Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection on my XXXX report from the company AAS DEBT RECOVERY INC XXXX They claim is is from a bank, I have called this company and they have no debt validation and they still will not remove the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : XXXX, Transunion, 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 2021-08-14
Company: ATG Credit, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Initially I complained of ATG Credit placing a collection on my reports before the allowed 30 days were up, in which I requested a debt validation letter which was mailed to them on XX/XX/XXXX. ATG responded that they didnt receive the debt validation request but that they would get me a copy of the validated debt. This was on XX/XX/XXXX. It is now XX/XX/XXXX and I still dont have any mail from them showing how the debt is in fact valid. Yet, they are back to reporting to the credit bureaus. How am I supposed to be comfortable paying a debt, in which I have NO proof that the debt is actually mine? ATG Credit refuses to mail proof yet they keep causing a ding to my credit score by improperly reporting. This isnt fair and I need to see PROOF of the debt, in which they said they would send. Still nothing, yet my credit scores are suffering due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX account application XXXXspelling wrong first name " XXXX '' address apt # wrong " XXXX '' hit my fido score on my credit report XX/XX/2015 sent letter XX/XX/2015 no reply. have never applied or contacted this bank. please help me!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent Experian XXXX dispute letters. XXXX dated XXXX/XXXX/15, XXXX dated XXXX/XXXX/15, and XXXX dated XXXX/XXXX/15 and all I have received back was a letter from them stating that my request was " suspicious '' and them thinking that my letters are coming from a third party. My XXXX letter I sent I even attached my driver 's license and a current utility bill verifying my identity and to show that these letters are coming from me and I am disputing this on my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation