BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: CA
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:
i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.

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 2022-01-26
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in contact with Mohela to discuss my loan consolidation. They explained that the loan repayment is higher due to interest added to the consolidation. I asked if I could cancel the consolidation. The representative stated yes she could and that it would need to go for approval. I asked if they could send the information to me via postal service. They sent me the consolidation letter again, stating my repayment date is in XXXX. When Biden stated the repayment will begin in XX/XX/2022. They are trying to ruin my credit and I no longer want to be in the loan consolidation program. They did not follow through on their promise. Mohels acted fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
UAC/Carhop harasses people everyday even after they talk to them. They also sell cars that have problems from the get go and wo n't fix. I am only 18 days behide and get calls or emails everyday even though I have spoke to them. I explained the reason for it and they come up with every excuse in the book.

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 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One has failed to refund XXXX in fees and interest from " late '' payments on purchases that were under dispute and ultimately refunded. Capital One has been asked to refund these numerous times, yet I have not received any personal contact from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
1. I opened a free business checking with BBVA Compass in XXXX 2. I opened a personal checking with BBVA Compass in XXXX 3. Unbeknownst to me and without my permission, a {$1000.00} line of credit was opened in my name and attached to my account 4. I closed my free business checking in XXXX XXXX and kept my personal checking. 
5. My access to business checking statements was removed from my online banking, and I have since been requesting copies of all statements for recordkeeping and business obligations 6. It has now been three weeks since I have been promised either paper or electronic copies of my statements. I have been contacted at my home to open a money market account in this period by the same banker, but no statements 7. I am in the process of purchasing a home and need income documentation. My calls to the branch manager have left me on hold for 30+ minutes and calls to my banker, XXXX unanswered. 

I am seeking the following : 1. My bank statements for BBVA Compass account # XXXX 2. Prevention of banks like BBVA Compass from opening lines of credit in their customers ' name without their permission 3. Instruction that my banker can not pressure me into a money market account Note : I have a high balance and income. & gt ; XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Co-Operative Adjustment Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Issue details 1.When I vacated the property, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, back in XX/XX/XXXX, I did request property manager to come for final inspection, but he didnt show up. We did clean up and handed over the property the same condition as it was given to us. I paid the rent until last date, pls find attached copy of final check. And they said, after I move out, they will return my deposit, which they never returned! There are no outstanding rent from my end. 
2.After leaving the apartment, I am not sure what work they did, but they charged me {$2100.00}, as changing carpet and painting etc. I lived there less than 1year, not sure on what basis they spent this replacement? 

a ) Apartment manager never notified us or given any quote before spending their expenses ( as per California law, landlord required to give 30day notice prior to repairing the premise ).

b ) Apartment manager never did walk thru to check the property. When they sent me letter quoting some charges, I replied back to them that these are invalid charges, pls find attached multiple letter sent to them as registered post. But they never responded back to my letters instead they gave it to collection agency. 
3.Pls find attached claim # XXXX filed and its clearly mentioned that it should not affect my credit records.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CORELOGIC INC
State: CA
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:
In response to an unauthorized inquiry on my credit report under my social security number with XXXX, a division of CoreLogic, namely " XXXX   XXXX  XXXX  '' has failed to provide information authorizing them to conduct an inquiry without my authorization. When they failed to provide evidence of me authorizing them to run an inquiry on my credit report, I filed a complaint with CFPB, in response to that complaint ( XXXX ) they provided inaccurate information with no proof of authorization allowing them to run an inquiry on my credit report. Subsequently, I filed a second complained ( XXXX ) which they responded once again with insufficient information in order to correct their initial response and indicating the final response was mailed to me on XX/XX/2020, which they also recanted via voice mail to be ignored as it was an incorrect response. In conclusion, I have not yet received sufficient information and documents bearing my signature authorizing them to conduct an inquiry into my credit report with XXXX  and in their response letter the blame their client " XXXX XXXX XXXX '' for ordering this inquiry and they are referring me to a third party which I am not involved with or have knowledge of. 
XXXX XXXX XXXX, a division of CoreLogic is the information provider and obligated to provide me proof even though they may have been hired by their clients.

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 2016-11-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX 2016, my fianc and I visited the Chase Bank retail location : XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. The manager, XXXX referred my fianc and I to the Mortgage Banker, XXXX XXXX. We sat down with XXXX XXXX to gather information on possibly applying for a Home Equity Line of Credit ( HELOC ). As we talked through the details with XXXX XXXX a couple of key factors discussed confirmed our inclination to do more diligence before we apply for the HELOC. First, when I was in my twenties I had a Chase Credit Card that got charged off and when I previously applied for a credit card with Chase I was declined due to the charge off even though it was over 20 years ago. Second I have strong standing with another banking institution that I wanted to talk to before I moved forward with a Chase application. Finally, my fianc and I had some steps we still need to take to improve our credit scores to meet the qualifying score needed for the HELOC. That day on XXXX XXXX, we let XXXX XXXX know we would hold off for now and be in touch with him when we were ready to make a decision. XXXX XXXX called us the next day on XXXX XXXX to request my fianc lift her credit freeze so he could process the application. Again, I reiterated to XXXX XXXX to stand down, that my fianc and I do not want to do anything yet. My fianc and I continued our due diligence and reached out the other banking institution, did some research on HELOCs and Fixed Home Equity Loans and started putting together our credit repair plan. On XXXX XXXX 2016 my fianc and I both received XXXX letters each from Chase Bank and one letter to both of us. They are as follows : " Notice Of The Home Loan Application '', " Here 's important information about your home equity line of credit request '' and the one addressed to both of us is a letter thanking us for our credit application to JPMorgan Chase Bank , N.A . We were shocked to open these notifications and read that a HELOC application with Chase Bank had been processed in our names and that they had submitted hard inquiries to the credit reporting agencies, without our consent. This is why we are submitting this mortgage complaint. Myself nor my fianc have been able to locate the contact information to send correspondence to the President of JPMorgan Chase or the Director/Vice President of Loan Processing to inform them and request their assistance with holding their company representatives XXXX XXXX and XXXX XXXX, accountable for processing a fraudulent credit application without the consent of the consumer. And more importantly expediting the removal of the fraudulent hard credit inquires from my credit report with the credit reporting agencies XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to LoanCare ( http : //www.loancareservicing.com ) in XXXX, which I did not request or approve. Although, according to their customer support specialists, a welcome letter and XXXX loan request letters were sent and several calls were claimed to be called, I did not receive any of the letters or calls since I moved to a new place and traveled a lot for new job. Even though I set up a mail forwarding service, I did not receive any of the mails so far. The records of phone calls, according to your customer support specialists, can not be found in their system. 

I was totally unaware of this transaction until last week, my credit score dropped from XXXX to XXXX, when I was applying for another loan for a new house. My morgate loan was sold to LoanCare, but my auto-payment information was not associcated with this transcation, so my loan was past due for the past 3 months. This is not an intentional behavior ( and you should be blamed for this ) so I should n't be punished by such dramatic decrease of credit scores, which almost ruined my life. 

Once I recognized that there is overdue payment, I contacted LoanCare right away and paid those due payments but not the any of the late fee. However, the credit report entry, which has significantly impact to my credit score, was still posted. I do n't know how should I dispute this late payment. I tried really hard to build my credit score for the past five 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 2020-08-08
Company: Experian Information Solutions Inc.
State: CA
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 moved out of property that was managed by XXXX XXXX XXXX XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX XXXX and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EXPERIAN credit reporting agency. Experian has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.

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 2016-10-13
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Payoff process

Complaint:
My husband and I took out a loan from our local bank to pay off multiple credit cards and get a better interest rate. Our bank sent a Cashier 's check and a payoff letter with detailed instructions. Chase threw out the letter and did not know how to process the cashier 's check. Two weeks later Chase returned the cashiers check to our bank with a letter that they could not locate the account number. The full account number was included on the payoff letter our bank sent with the initial payment that was discarded by Chase. Our bank sent a check immediately upon receipt of the credit card company 's letter. Due to the confusion by created by Chase we were charged a whole month 's interest plus a late fee. Had they accepted the original cashiers check and followed the instructions in the included payoff letter we would owe a little less than two weeks interest and no late fees. We met with our banker yesterday XX/XX/2016 and called Chase together. The first person we spoke with agreed to remove the late fee, but said they could not backdate the interest to when the original payment was received. We asked to speak with a supervisor and we the supervisor gave us the same answer. We informed the supervisor that we would be contacting you. Please consider this issue knowing that if Chase had not ignored the payoff letter included with the original payment sent we would not owe the extra interest. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08
Company: WorldRemit Corp.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX XXXX On XX/XX/XXXX I transferred the sum of {$560.00} to XXXX to assist a friend with her school fees to XXXX, world remit sent me a confirmation on my service complete. It is XX/XX/XXXX and the money never arrived in XXXX. I called world remit and they have been lying and lying and refused to give me a refund. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MI
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 previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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 2020-08-08
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I moved out of property that was managed by XXXX XXXX XXXX XXXX at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX IN. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXXXXXX XXXX XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EQUIFAX credit reporting agency. EQUIFAX has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
-- Debt collector XXXX collections, tax id XXXX ( XXXX XXXX ) amount due XXXX $ date invoice XX/XX/XXXX note : blood work done when i did have a medical insurance and the insurance was billed already for preventive test, already payed actions : Debt was send to XXXX XXXX XXXX XXXX date XX/XX/XXXX from creditor : XXXX XXXX XXXX XXXX XXXX : will send a negative credit report to the credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I was seen in the emergency room. During my dos my XXXX XXXX Was active. The provider had 365 to properly file the claim to render payment. This is a XXXX charge that has been billed to me inaccurately. if you are on XXXX The provider is to bill the state not the patient. By the provider/collection agency placing this on my credit violates XXXX policies/procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, 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've attempted since XXXX of 2019 to remove fraudulent accounts from my report that was contributed to ID theft.I sent block request to all CRA 's XXXX and XXXX complied with the block request, however, Equifax did not. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.

Company response to consumer: Closed with explanation