BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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:
Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a renewal of a {$500000.00} HELOC on our home valued at more than {$2.00} XXXX two months ago with JPMorgan Chase. Our previous HELOC had been partially drawn down and fully paid off before the balloon payment date and expiration which occurred in XX/XX/2018. In the meantime, we have fully paid off our mortgage on our home, so this new HELOC would be in first position. 
Chase responded by saying they could offer us a HELOC only in the neighborhood of {$260000.00} -- and told us that they were " not a collateral lender ''. Basically, in form, in seemed as though they treated our application as an unsecured loan, based only on their conservative estimates of our cash flow, assuming we had no access to any of our other cash or investment assets. For them to call the product they were offering a HELOC was a complete misrepresentation. 

We received a letter dated XX/XX/2018 rejecting our application, giving the reason that it was based in whole or part on our credit rating. We have written an objection letter, based on several reasons in form and substance -- not the least of which is that being rejected by a long-term creditor can only have a negative effect on our credit rating and credit history. Facts of our financial situation include : -- Husband 's credit score XXXX ; Wife 's XXXX on XXXX ; range 320 to 844. 
-- Our mortgage is paid off, so this HELOC would be in first position. 
-- We have had a second position {$500000.00} HELOC with Chase for over 15 years. We have borrowed against this amount and completely paid off the balance, prior to reaching the balloon payment date. Our payment history has been stellar. 
-- We both have pensions ; once husband retires our pension and Social Security income will surpass {$13000.00} per month. 
-- We have paid off our credit cards in full every month for the last 30 years, with very few exceptions. We own our vehicles outright-no loans -- We have over {$500000.00} in stocks and cash ( {$140000.00} deposited with Chase ).

-- Husband is still working and has earned over {$100000.00} so far in 2018. 
-- We own a rental property valued at over {$1.00} XXXX with a mortgage of {$350000.00} and a stable ten-year tenant. Chase did not count additional rental income to that property of {$1200.00} per month from garage tenant, as amounts were paid via bank transfer not checks. 

In addition, Chase responded irrationally to an appraisal which came in HIGHER than expectedby lowering the amount offered as a HELOC maximum, stating that the higher taxes would be a further drain on our cash flow. But, since we are in CA, Prop 13 prevents our taxes from being raised more than a few percent per yearunrelated to property values.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Fay Servicing, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing forced me to obtain hurricane insurance so I ended up back in XX/XX/XXXX. They threatened me with obtaining expensive outside insurance. I cancelled my existing with XXXX XXXX via XXXX XXXX XXXX in XXXX XXXX, Hawaii. 

I signed a policy cancellation in XX/XX/XXXX the company sent a refund of {$920.00} and sent it to XXXX XXXX XX/XX/XXXX. 

I never once received a new policy from Fay Servicing or showing where that refund went and the amount of the policy. I have called numerous times with no success and believe they are crooks and refuse to show me where all the money went. I got a refund from them of {$260.00} because I sold my house in Hawaii which closed on XX/XX/XXXX and I plan to call tomorrow again but do not believe there will be much success. At XXXX years old I have never dealt with such a horrible mortgage company. 

I want a detailed schedule of where all my money went monthly of {$440.00} plus the {$920.00} that I sent them in XX/XX/XXXX. 

I believe that Fay Servicing owes me more money so hopefully you can contact them and get them to give me a detailed listing of where all my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2017-08-18
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called Navient about my repayment on student loans. I am currently paying {$330.00} a month on the XXXX of each month for loans. I called and asked to increase amount to {$380.00} and make due date the XXXX of each month. I made payment on XXXX XXXX and asked for next payment to be on XXXX XXXX. The representative said that was fine and set it up for me. When I checked my account online the next day ( XXXX XXXX ) it showed a payment of {$330.00} due on XXXX XXXX. When I called Navient they said sorry we messed up but we already starting taking out your payment and if I wanted to stop it I would have to call my bank. I was told it was my fault for setting up the payment before the date XXXX XXXX had passed because that 's just what their system does. I am so sick of the way this company handles business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX XXXX I receive a Capital One credit card a welcoming package by mail at my home address. I also received a email text with a link to set-up my banking checking account with this card for payment source..The Capital One credit card came with a mobile text number to one step mobile app to activate card.I did n't care to use mobile app because I do n't trust this source and not very text literate ... That 's where the problem started ... I call customer service was asked a lot of personnel question gave everything they as for and offered any information they needed ... after about 30 min the agent gave me a number to card XXXX a secure service ... The agent Who said her name was XXXX asked me many of the same questions as the first, put me on hold for more than 15 min came back and said the to number I gave her had issues and to hold, again 10 min..now it was about XXXX XXXX central time ... .she came back it will take some time to activate that capital one master card to get information about my license card ... I told her I have any thing she needed on hand ... .she said no she would send me a email and about 72 hr ... ..I told her I am not tech literate as far as up-loading any thing ... well she said it was a problem ... I told her if it such a problem maybe the should be cancel she did..I called back to speak another agent the ca n't help it is cancel ... .all of this because I have a XXXX XXXX that I am receiving treatment since XXXX..no help from this company with me not being smart with this tech thing..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is aware of my participation in the XXXX program. I have called Freedom Mortgage on XX/XX/22 on which I spoke to XXXX inquiring about my XXXX payment being received on which he said no and that I should reach back out to XXXX. I contacted XXXX on XX/XX/22 on which I spoke with XXXX who confirmed that the payment was sent out on the XXXX of XXXX. I called Freedom Mortgage on XX/XX/22 on which I spoke with XXXX ( ID # XXXX ) in which she stated that there is no payment made on my account for XXXX and she doesnt see where the payment was received on her end. I sent a secure message in the Freedom Mortgage app on XX/XX/22 asking again about my XXXX payment in which I am still awaiting a reply. On XX/XX/22 I spoke with XXXX ( ID # XXXX ) from Freedom Mortgage asking about my XXXX payment in which she stated she doesnt see any payment for XXXX. I would like to know where my XXXX payment is as it was sent the same time last month and received with no problem. This is very frustrating and stressful and I would like answers as there are a few people who I am friends with whos also working with the XXXX program that have received their XXXX payment and theirs was also sent out on XX/XX/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 2018-08-21
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter on XX/XX/2018 from Radius Global Solutions LLC trying to collect a debt for {$150.00} with XXXX XXXX that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that XXXX XXXX be contacted so they can confirm my account is in good standing. XXXX would not be sending statements if I was in default.I have attached the last statement from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX early morning, I was robbed and my Chime debt card was used at four locations in the city. The charges were made at XXXX XXXX ( {$4.00} ), XXXX XXXX XXXX XXXX XXXX  ( {$4.00} ), XXXX XXXX XXXX ( {$33.00} ), and XXXX XXXX XXXX ( {$150.00} ). These charges were not made by me as my card was not in my possession. I have used Chime 's dispute resolution process and I found the process to be unfair. I have provided my XXXX receipt that I was not in the area when the charges were made. I also provided the XXXXXXXX XXXX of the route, the time it takes to get to the place, and where I was picked up. And still, Chime ruled that the charges were made with my approval when that was not the case. I provided the evidence twice. The evidence they provided for how they made the decision was the times in which the charges were made and still does not stand to reason why am liable for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Continental Finance Company, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian emailed me my usual credit report on XX/XX/2021, saying that my Fico score reduced by 35 points since XX/XX/2021, making it go from good to fair ( XXXX to XXXX XXXX. When I looked at the report, the only changes that it said it detected were all going in the positive direction. I do not understand how it could drop so significantly when my financial activity has been stable if not better. I havent changed it in any negative way. Experian keeps trying to get me to boost my score by paying for more service. It seems like there is some sort of fraudulent activity going on that would make my account supposedly drop by 35 points when my financial activity has been good. Ive tried to contact them with no success because they put you in an email tree and a website tree that you can not escape out of. I would like some help to correct what I believe is erroneous information that is affecting my credit score. 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 2017-09-09
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Loss of credit information confidentiality due to corporate negligence on the part of Equifax, date unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXXXXXX 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 2022-02-04
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:
VIOLATING FCRA - {$1000.00} EACH REPORTED ITEMS WITHOUT MY WRITTEN CONSENT. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2018-02-26
Company: DISCOVER BANK
State: ME
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:
In XX/XX/2018 Discover Bank sent me a 1099-C, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a Discover Card in my name. SInce XXXX effectively canceled the debt by issuing the 1099-c, they can not report a balance or past due amount on my credit report. I disputed this through XXXX, which Discover verified the balance and past due amount, there by violating the FCRA as since the issuance of a 1099-c cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. DIscover is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.

Company response to consumer: Closed with explanation