BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/XXXX was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/XXXX on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: ALLIANT CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened my account 14 months ago, faithfully made {$100.00} deposits as required every month for 12 months to receive a {$100.00} bonus per their promotion. I let the balance accumulate over the 12 months to over {$1000.00} before withdrawing {$500.00}. They have not credited my bonus, claiming my {$500.00} withdrawal made me ineligible because I was not allowed to make any withdrawals before the bonus was posted. That was NOT mentioned in the promotion which only highlighted " {$100.00} for depositing $ XXXX. for 12 months ( which I DID MAKE ) and also promoted " no minimum balance and fees ''. So unless they buried the balance requirement somewhere in fine print- which contradicts the big print, they're either mistaken or its misleading advertising. They should pay me the {$100.00} bonus I earned by following the $ XXXX deposit for 12 months which I did, or someone should file a class action lawsuit for deceptive advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had shopped a XXXX and had a couple of inexpensive items on value-pay. When I updated my credit card information they did not process it correctly and then, with out my permission ( I have no idea how they even obtained the phone number ) they called and harassed my XXXX year old parents because of it, causing damage to my relationship. 

My credit card was changed out by my bank because there was fraud on the account. I had to wait for the new card to arrive. My phone kept ringing and then the person would hang up when I answered. I finally did a reverse look up to find out it was Central Portfolio Control/XXXX that was calling. I called them back and told them I had updated the card, which had arrived by then. But they still kept calling more than once a day. Two days ago I went to my parent 's home and found out that Central Portfolio Control/XXXX had been calling my XXXX year old parents and harassing them all week too. All of this over missed value payments of {$45.00} that was less 15 days over due, and after I had updated the information several days before. They have no right to violate my privacy by calling and harassing my XXXX year old parents. I 'm a married XXXX year old woman that lives in a different city than my parents. I have never used my parents phone number or given Central Portfolio Control/XXXX permission to contact them. I live in California and this is not legal in that state. 

There is no way they can undo the personal damage that they did to me by violating my privacy in that way. All of this over the transfer of a credit card and {$45.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BlueChip Financial
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Collector Spotlaon called threatening appearance before a Judge and an arrest warrant.

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 2022-04-10
Company: EQUIFAX, INC.
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 sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from XXXX that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in XXXX XXXX from XXXX to XXXX, during that time period COVID-19 happened, I was unable to pay rent due to job loss and only having XXXX for my son as income, I had a phone conversation with the property manager XXXX, XXXX was stated that if I agreed to move out by XXXX, that no action would be brought against me for this account. I wasnt aware of the collection until it was on my credit report for {$10000.00}. I have disputed across all three reporting agencies. I moved into my new apartment on XXXX and have been here since at XXXX XXXX It was reported to National Credit Systems and Ive never received contact from them about this debt or that I could dispute. I will upload pictures of my lease starting on XXXX and pictures of the falling ceiling that was never fixed inside the apartment that me and my XXXX young children occupied. I also never received a eviction notice or any type of notice from this apartment prior to the debt showing up on my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CORELOGIC INC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Please find my complaint against CoreLogic and XXXX for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if XXXX paid for my taxes. 

XXXX XXXX had no records that XXXX paid my taxes - but it was done by CoreLogic who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed XXXX from their MSP system, XXXX was unable even pretend to do any servicing functions. 

XXXX on XX/XX/XXXX told me that CoreLogic as their " tax vendor ''. 

CoreLogic previously claimed that CoreLogic has no relationship to my loan. 

Since CoreLogic is now my " tax vendor '', I demand CoreLogic to confirm their status as XXXX 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom XXXX and CoreLogic are servicing. 

XXXX informed me that Servicing rights were transferred to XXXX ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) XXXX  continue to insist that they PURCHASED my loan from someone whom XXXX can not identify. XXXX never mentioned any sales of my loan to XXXX. 

I demand XXXX to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX.. My taxes are paid by CoreLogic who bear to repeat deny their relationship to my loan. 

XXXX continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that XXXX  is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are CoreLogic and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the King ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or XXXX, but rather with XXXX XXXX and CoreLogic, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by Corelogic from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.

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 2016-07-28
Company: ACS Education Services
State: UT
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:
on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My PayPal balance of {$5400.00} has been withheld by PayPal. I already submitted XXXX complaint about this issue, and yesterday, PayPal filed a reply, promising : " On XXXX XXXX, 2015, PayPal made your full Account balance of {$5400.00} available for withdrawal. '' However this is not true. I have tried many times today to withdraw my balance as promised and the account is still blocked. I can not initiate any withdrawal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016, I used online bill pay through the University of XXXX XXXX and accidentally sent my XX/XX/XXXX mortgage payment of {$1800.00} to Ditech, the mortgage company that previously held my loan. My loan was transferred from Ditech to XXXX Mortgage in XXXX. Ditech cashed my check and I was not aware that I had made an error in payment until I received a letter from XXXX Mortgage on XX/XX/2016 stating that they had not yet received my XX/XX/XXXX payment. I reviewed my online bank account transactions and discovered my error. I contacted XXXX Mortgage right away and explained my error and sent them proof of my on time payment and error. I also contacted Ditech who originally told me that the money was transferred to XXXX Mortgage on XXXX or XXXX and that XXXX Mortgage should be receiving shortly. As of today, XX/XX/2016, XXXX Mortgage still has not received any transferred money from Ditech. Ditech has now told me that they transferred the money on XX/XX/2016. Each time I call Ditech I get different information and no one is able to provide proof that the funds have been sent to XXXX Mortgage. I am incredibly frustrated and feel that Ditech has stolen {$1800.00} from me and are causing harm to me by not releasing the funds to XXXX Mortgage and they are creating a domino effect of issues on my current mortgage and XXXX be negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank would not issue a dispute in which I had made. I then was told that I was going to receive a credit within 10 days period it was over 20 days till I even received a email saying that I was not approved and then was told I would receive a email as to why I was disputed. To this day have not been refunded and have no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX Account # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 explanation
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft. Several accounts were opened and managed without my authorization. Once I was able to find out, I filed a police report, an identity theft affidavit, and several disputes explaining the situation, pursuant section 605 of the FCRA. In addition to that, I also submitted the same documents to these creditors to support my claim. Experian has failed to comply with section 611 of the FCRA by not properly investigating this account. I was a victim of identity theft, and I should n't have to be responsible for something I did not do.

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 2016-04-20
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Spotloan is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.

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 2016-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
Capital one reported me as 30 days late for a XXXX XXXX payment which is the only late payment that I have ever been reported on in the 4 years I have had the card and I disagree with this reported late payment. I have not been receiving my bills through the mail on a regular basis every now and then i do revieve a bill in the mail .do to me not recieving my bill regularly have been calling and making phone payments through capital ones phone services. The recording indicated that my payment for XXXX was due on XX/XX/XXXX so I waited till XX/XX/XXXX to make a {$500.00} dollar payment to XX/XX/XXXX payment and XX/XX/XXXX payment ahead of time and remainder towards principle. By making it on XX/XX/XXXX I thought it would cover my next month payment which I have done in the past and the system has accepted both payments crediting both months.By me not getting my bills in the mail on a regular basis I have only been able to determine my cycle through what their customer service line supplies me with which is due date of the XXXX each month. I called to resolve this issue with them and was told I signed up for paperless which is not true. I do not use the Internet especially for credit cards or for payments which my account should show that all payments have been made over the phone. When I asked them the history of the loggin they could n't give me a date other then the initial date which they said was XX/XX/XXXX which I 'm positive I did not sign up for paperless. I 've have spoke to several supervisors and it seems they are reading notes of the previous person I 've spoke to and no one 's making efforts to rectify there error which has miss led me and subsequently has caused damage to my credit score which renders refinancing my house ineffective before this happened my credit score would have been able to get my refinancing done which would save me and my family thousands of dollars a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: NC
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:
The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation

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 2017-05-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filed a previous complaint about wells fargo and you closed the case without the appropriate resolutio n. Wells Fargo says the  " found '' about {$300.00} they owed additional. The real amount is nearly {$3000.00}. We owed $  XXXX  on the mortgage and were required to pay a $  XXXX  amount. The difference is $  XXXX . They are saying that the {$2500.00} escrow check contained additional money owed. This is not true. WHen I was receiving a payoff amount I was told that there would be a {$2500.00} escrow payment. I still paid {$3000.00} more because I had until  XXXX   XXXX  to pay it off and that would be accrued interest until then. However, I paid it off nearly a month before that,  XXXX   XXXX , so there is a month of interest, about {$3000.00}, that are they still trying to steal.  Wells Fargo  as we all know is a corrupt and criminal organization. I 'm not going to allow them to take my money as I did n't even get a loan through them. THey bought my loan without my consent. I have now wasted several hours on this corruption and expect compensation above the amount owned for that.

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