BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: DISCOVER BANK
State: VA
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:
I am a current customer with Discover Student Loans. My interest rate has increased from 6.5 % to 7.00 % in less than two years ; that includes XXXX increases in the past six months. So, I called Discover Student Loans this morning. I asked for a reduction in my interest rate. I was informed by XXXX agents that the federal regulators set the rates, and that Discover can not reduce my interest rate. That is incorrect. The federal regulators set the prime rates. Discover adds on to that rate to set my Discover Student Loan total interest rate. My first complaint is that Discover provided me incorrect information on how my student loan interest rate was calculated and blamed the regulators for the rate, not taking ownership for their calculation. 

Next, I was informed by a Discover Student Loan agent that the ONLY way to reduce my rate was to apply for a consolidated student loan. This would account for a hard inquiry on my credit. Upon hearing this was my ONLY option, I submitted my application over the telephone. My second complaint is that I was incorrectly informed the only way to reduce my rate was to re-apply. This is incorrect. Discover has committed in the public press that they will work with student lendees to reduce interest rates for highly qualified individuals ( of which I am ). I informed the agent of this, who simply did not agree. 

Next, the agent obtained my information and imported my existing Discover Student Loan information ( i.e., the current balance ) into the application. Next, the agent informed me that I was not approved and that I would receive a letter in the mail informing me as to why I was not approved. The application I submitted and was ultimately declined for only included the existing Discover Student Loan. Ironically, I was declined for the same student loan product that I currently have with Discover. That 's my third complaint - that I was declined for the same product I have today. 

I informed the agent that I have obtained lower fixed and variable rates from a competitor. Discover 's competitor offered me the same lending terms ( variable, 15-year ) at 4.7 % interest. My current Discover student loan 's interest rate is 7.00 % ; that includes a .25 % reduction for direct debit. My fourth complaint is that Discover is taking 2.3 % more than its competitor ( s ) over the life of this loan. That amount excessive, and not working with me to reduce my rate to match industry standard is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
An unauthorized hard-inquiry was placed on my Transunion credit report today by  XXXX   (   XXXX  ) with the address P.O.  XXXX   XXXX ,  XXXX   XXXX , SD  XXXX  which corresponds with  XXXX  's address. I contacted Transunion ( the sole credit reporting agency which provided the hard inquiry to  XXXX  ) and they said I would need to get a letter of deletion from  XXXX  to forward to Transunion which is the only possible way I would be able to get the hard inquiry removed. I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and  XXXX  said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted Transunion again to let them know what  XXXX  said and Transunion once again said they can not remove the inquiry without a letter of deletion from  XXXX . I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to  XXXX  's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number.  XXXX  's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears  XXXX  pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.

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 2017-05-18
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX  of   XXXX  , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  XXXX   XXXX   XXXX   XXXX  who claimed to be collecting for "   XXXX   XXXX   ''. Believing "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months.     Yesterday, I received a letter from  XXXX   XXXX  claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my  True Accord a ccount which showed that at this point the balance is {$4800.00}. I called  XXXX   XXXX  who claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my credit report with Equifax using annual XXXX XXXX and they denied me claiming they couldnt verify me when all information given was accurate. I did receive my reports from the other 2 bureaus! This is a violation of my rights Im under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Burton Neil & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In   XXXX   XXXX   XXXX    , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector   XXXX   XXXX  , who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  Burton Neil & Associates who claimed to be collecting for "   XXXX   XXXX   ''. Believin g "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with   XXXX   XXXX  . I have made payments for the last 8 months.     Yesterday, I received a letter from  Burton Neil claiming  that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my   XXXX   XXXX   account which showed that at this point the balance is {$4800.00}. I call ed Burton Neil who  claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot of   XXXX   XXXX   's portal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  Burton Neil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX co signed a loan to XXXX XXXX in Texas Never late. 
Car was totaled and insurance company paid car loan off. 
They had the wrong name on check and insurance company sent another check. 
This was told to Kia and they understood. 
Year was 2015. 
I value my credit, and cant understand why this still showed up? 
Please help me. 
Thank you XXXX XXXX It shows on my credit report as insurance company paid in full.

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 2016-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$11000.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Caliber Home Loans, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  Transferred Ch.  XXXX  filing originally filed in  XXXX   XXXX  from  XXXX , Ga  (   XXXX  &  XXXX   )  to  XXXX , Fl (   XXXX   XXXX   ) . [ The balance transferred was {$4.00}, 200 ]   XXXX  Received a notice that Mortgage transferred from   XXXX   XXXX   XXXX    t o  Caliber Home Lo ans.      XXXX  Represented by the  XXXX   XXXX   XXXX  who REFUSED  to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me  ( withou t them providing me with a detailed summary ).      XXXX  Terminated my relationship  XXXX   XXXX  ( approved by  XXXX   XXXX   XXXX .      XXXX  Received detailed claim from the  Trustee  's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ).       XXXX  Requested support fro m Caliber   (   XXXX   XXXX   XXXX   XXXX   ) since NO d ocuments were filed to support the {$77000.00} claim.      XXXX  Received a proof of claim in the form of a loan modification document with an as of date of  XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim.      XXXX  Court hearing to review creditor claims, focus on this claim fo  XXXX   XXXX   XXXX   XXXX   XXXX    ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by    XXXX   XXXX  to obtain support for the claim so that the {$77.00},    XXXX    can either be paid or dismissed for this bankruptcy ( next court date  XXXX   XXXX ,  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: The Outsource Group, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MEDICREDIT, INC has reported that I owed their company {$470.00} from a medical bill w/ XXXX XXXXXXXXXXXX XXXX  XXXX The company now shows that I owe {$0.00}. 

Medicredit NEVER communicated any statement or justification for this bill. 
No monies were ever given to Medicredit. 

I am requesting this collection be removed from ALL credit report agencies, as there was never any verification of the bill and my ownership. In addition there was no communication to give me a notice of this bill and the action that would be taken ie reporting bill on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Pressler and Pressler a ttorneys for   XXXX   XXXX   XXXX   XXXX   claim that a summons and complaint dated   XXXX   XXXX   was sent to an address on file for me in reference to a credit card debt with   XXXX   XXXX  . They are saying that I did not respond to the complaint and that a judgement was entered against me on   XXXX   XXXX   XXXX    .   The address that they are saying the complaint went to is not my address, I have never seen a copy of said judgement or amount claimed to be owed. The statute of limitation in NJ is 6 years so how can these people continue to harass me! I recently received a threatening letter telling me that my wages will be garnished if I do n't respond to this same allege debt and they also had the court freeze my bank account! There are no judgements listed on my credit reports against me and neither is this company with this allege debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a XXXX XXXX Account opened in XXXX and the last time used my account before I closed it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. I checked out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX Department to rectify this issue and they stated that will update my credit reports with the correct information.

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 2016-02-10
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to me.

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 2015-10-28
Company: Zenith Financial Network Inc
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I applied for an installment loan through XXXX XXXX ( XXXX ) close to a year ago and faultered on making regular payments due to medical and family emergencies. XXXX gratiously worked with me but the emergencies persisted and they sent my account for collections to ZFN & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, ( XXXX ) XXXX. While the representative assigned to my account was very accommodating and understanding her knowledge of recommended avenues to pay were lacking GREATLY! I was sent on a goose chase to find a magical debit card sold at XXXX where I could load more than {$500.00} at a time. My payment was to exceed that amount and to be taken out the next business day. She could not get her mind wrapped around the fact that I could have gotten ANY reloadable card where I could load {$500.00}, then the rest at same register back-to-back. I thought well maybe they ca n't take more than {$500.00} off at a time or something weird, along those lines. Hence, my having to take time off of work, getting chewed out by my boss, burning up the LAST of my gas for the month ( I only get paid once/month ) all to try and find this mythical card that no one at my XXXX has ever heard of ... REALLY??? THEN to top it all off, once I finally informed the lady of my woes she was willing to wait until I got paid for me to get the card. SERIOUSLY!!! THEN I got not 1, not XXXX, not 3, but 4 calls, IN ONE HOUR!!!, from another male agent and a manager at this agency to ask why I had not secured my arrangement with a debit card. Mind you, they had my screen up right before them as they were talking to me having full knowledge of the arrangement I had made with the other agent, AND I HAVE a debit card in my possession, an XXXX Serve Card ; but they do n't take that one! I do not deny the debt I owe with CC but there is NO WAY ZFN & Associates should be this ignorant of how to handle business and people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was recently sold from XXXX XXXX XXXX to seterus. I was supposed to receive a welcome packet by XXXX XXXX, and have not received anything! I do n't want to be held in default for payments when I have no information or loan number to send it to!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
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 have sen t 4 lette rs to Transunion regarding inaccurate information on my credit report. The  15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Transunion failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible. I have provided proof of all 4 letters t hat were sent to Transunion as well.

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 2021-12-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX XXXX XXXX I received a call from Chase Exe Office XXXX in which she told me : I see that you have previously requested information on a loan.Unfortunately as we have previously advised, we. do not have information on a loan. '' There is a current open complaint CFPB unanswered by Chase for information. 
Chase had previously represented only that they did not have documents not that they did not have information. 
I have requested information. 
Chase is seeking not to answer the CFPB complaint filed several times for information on a hidden loan revealed to me on my home. Chase is refusing to address whether the loan is an assigment or assumption and the name of the second bank. Chase has not given a loan number, not given dates, not given amount. There is an official log at Chase of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During my trial period of a loan modification, I have tried multiple times via email and fax, to reach out to the bank with questions/help regarding the modification. I have received no feedback or responses to my emails or faxes. They specifically asked for a certain document to be filled out and I faxed that document to the bank and  two  months later, they 're telling me that is not the right document the bank has asked for. I feel as if I have done everything they have asked me to do but yet, I get no response.

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