BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
Company: AMERICAN EXPRESS COMPANY
State: NY
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 this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the AMEX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
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: Account information incorrect

Complaint:
I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/ these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.

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 2020-04-15
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: Information belongs to someone else

Complaint:
I just reviewed my credit report and noticed errors on my file.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX says that I am on a income based repayment plan which in my case I have no income which makes my payments $ XXXX.The problem is that they are reporting to the XXXX credit bureaus that I am behind and also add XXXX of dollars in interest on my amount which lowers my credit score drastically.They told me that they report that my loans are on time and that It would help improve my credit but it 's XXXX the total opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Kitch Acceptance Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Kitch Acceptance Corporation Continues to report missed payments on the loan to credit bureaus but will not accept payment, restructure the loan or admit to selling the contract to a third party. I literally continue to dispute their inaccuracies on my credit report because they are purposely attempting to ruin my credit ; therefore I would like to file a claim due to misconduct, false reporting, and any other violation that has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account on my credit report under LVNV FUNDING LLC that was opened on XX/XX/2018. I have no idea who the original creditor is or why this account was placed in collections. I have never received any information regarding the collection of this debt, or the original debt itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: SC
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 two unauthorized inquiries ( XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX ) on my credit file, both of these inquiries weren't authorized by me.I do have a account with XXXX which I was a prepaid account holder for years. I kept getting texts messages saying " for being a valuable and long standing customer I qualify to get a post payment account ''. I did go into the XXXX store and paid my prepaid bill, and asked the young lady who took my payment about the post pay deal, she asked did I want to switch my plans, and I distinctively asked the young lady did they have to run my credit because I was trying to keep my score up and inquiries down, she then asked another young lady who replied " it won't mess with your credit it's only a soft pull. I said if it's only a soft pull sure, I didn't sign no paperwork she did everything on the computer while I was at the counter. I'm not on a XXXX contract it's just a post pay plan, so that shouldn't be held against me, and I shouldn't have a useless hard inquiry on my file due to employees lying to get business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: NY
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 this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

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 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

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 2016-08-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I used check number XXXX to pay 4 mortgages in the amount of {$10000.00} with Network Capital funding and on XX/XX/2021 I did the same payment method using check number XXXX in the amount of {$10000.00}. Network capital deposited both checks in their bank account and the check was paid by my bank and clear. But Network capital contacted me saying that they never received the checks, that I am owing mortgage for XXXX and XXXX XXXX. Though, i sent them evident of payment from XXXX XXXX and both check was deposited on Network capital account and clear, but they refused to listen. They threatened me with all kinds of phone calls and letters, despite they have the prove of payment in their bank account. 
At the same time I was refinancing of one of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX with XXXX to enable me take advantage of the low interest rates and my good XXXXredit score. At this time my credit score above XXXX and the XXXX XXXX gave me interest rate of 4.37 % ..See attached letter to commit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX. 
By the time XXXX XXXX was ready to fund, Network capital had reported late payment and ruined my credit rate to below XXXX and XXXX XXXX are unable to fund in that rather. All effort to contact Network capital to persuade them that the error is not on my part but from theirs was unfruitful. Though, they get their money on time, they cashed and refused to acknowledged that they did not record their accounting properly and in turn ruined my life.

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was trying to check my credit score and went to TransUnion 's site. It asked me to create a profile and asked for my credit card information. I assumed this was to check my credit score. Once I created an account, I was automatically billed for {$26.00} and signed up for a subscription service. I had no indication I was signing up to pay for anything. I feel as though I have been scammed. I have cancelled the subscription and can not find out how to get my {$26.00} refunded.

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 monetary relief
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just reviewed my credit report and noticed errors on my file.

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 2015-10-17
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
American Honda Finance via a Honda Dealer forced me into an auto loan contract at an exorbitant interest rate in XX/XX/2011. American Honda Finance along with the Honda Dealer discriminated against me based on my race, religion, color and national origin. The dealer promised me an interest rate of 5.99 % APR on my loan and took my down payment checks. But when I looked at the contract, the interest rate was 16.99 % APR. I refused to sign the contract and I wanted to back off but the finance manager told me that I can not back off as I have already gave the checks for down payment and if I back off now, I will lose the down payment amount and on top of that they will sue me for additional damages for backing off from the deal. I signed this contract under severe duress from this unscrupulous finance manager who threatened, intimidated and coerced me into signing this contract. He also told me, if I do n't sign this contract, he will call the police and have me arrested for theft. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I have no idea what did I do to deserve this treatment. I can not find appropriate words to describe the pain, humiliation, grief and suffering, American Honda Finance and the Honda Dealer inflicted on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reached out to American Express so I could exercise my consumer rights to validate the alleged debt and they are denying me my rights to do so. The company ignored my request to receive all documentary evidence and told me the account status does not meet the criteria for us to fulfill a debt validation request which violates FEDERAL LAW. American Express is blatantly violating my consumer rights by not allowing me to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2021, I entered into a contract with OppLoans for a {$1700.00} loan. I was not aware of the 159.49 % APR until after I had received the paperwork and deposit. I didnt see it. See attached. I am happy to pay the {$1700.00} that they sent me but I will not send that money in interest. They have scammed me and not told me everything up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2020 I applied for PPP with respect to a small sole proprietorship I own. Since I did not have a business banking relationship PNC would not allow me to apply. They said that because I run my business through a personal bank account ( to avoid monthly fees ), I couldn't submit my application online and that they would follow up with an application procedure. 

This PPP program in the CARES Act was specifically intended to include sole proprietors and independent contractors. 

PNC never sent me a link to the application for self-employed persons. They never notified me that my application would not be accepted. The only thing that happened was on XX/XX/XXXX they posted a note to their website indicating that if an application wasn't submitted by XX/XX/XXXX would not be funded. 

This was fraud and discriminatory behavior. They discriminated against small business and minority  business owners who are less likely to have business bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to re-fi my home. Seterus, Inc in my current mortgage company. I have requested several documents to be faxed or mailed to me. I gave XXXX different fax numbers and I was told it was sent at least 4 times to each number. I finally gave them the number to the lender I was working with. It was received. This was on XXXX XXXX. 
I then found out on XXXX XXXX, 2016, that Seterus, Inc. paid XXXX different homeowners policies. I am now trying to seek reimbursement from the Insurance company I cancelled with. I requested information from Seterus, Inc and I was told I would receive within XXXX 7 days. Today is the XXXX, and still nothing. I called Seterus, Inc. and explained what I was calling about. I was put on hold and disconnected. I called back again, explained the situation, and again, put on hold and then disconnected. I called a third time, and finally reached a good representative who was willing to help me. She explained that it was cancelled because they only process XXXX request per 30 days. What the heck??? I have never heard of something so obsurd, not to mention, the request was due to their mistake. Due to a bankruptcy, they will not send me a statement, nor will they re-instate my loan. It does not show on my credit report. I have had this company for past 6 years and it is always an act of congress to get anything I need without calling several times. This customer service is the absolute worst and I get a different answer every single time I call about the same issue. How can a company be so horrible? I filed bankruptcy due to a life changing event, but I did not file against my home. I have never been late on payments, nor behind. I feel as if I am being discriminated against because I had to file bankruptcy. 
I have read so many reviews about Seterus, Inc, and they are all the same. 
Is there anything that can be done to straighten this Mortgage company out???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/2020 these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXXI have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.

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