BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019, I purchased a XXXX XXXX  from XXXX XXXX in XXXX, CA. I had secured financing via my bank XXXX XXXX XXXX XXXX. Even though we had agreed on the price of the care before I arrived, the dealership said they would not honor it unless I used their financing. Instead of using my bank loan, they secured me a loan with XXXX at the same rate. At that time, I signed up for automatic payments. In XXXX, I received a notification that I had a 30-day late payment recorded on my credit history from XXXX. I received no statement or calls. I promptly paid the bill and re-enrolled in automatic payments. I submitted a dispute through Experian as though it would be a simple matter to clarify what happened. XXXX denied the disagreement. 

On XX/XX/2019, I called XXXX XXXX, expecting them to resolve the issue. Instead, the XXXX representative asserted their dealer 's behavior was not their responsibility. They also stated the sending me a paper statement was a courtesy. They said they called me, and I have no messages or records of their calls. They informed me that the number would be XXXX. I checked my XXXX bills for XXXX, and this number does not appear. I use XXXX XXXX, so I am 100 % sure they did not leave a message. I am also 100 % sure they did not e-mail me as they started sending me reminders after my first payment. 

In summary, the dealer would not honor their price unless I used their financing and then lost or did not accept my autopay enrollment. XXXX did not send me a mail, e-mail, call or leave a voice mail to alert me that the payment was past due. Upon notification of the issue, XXXX refused to acknowledge their mistake. 

The result of there erroneous filing is my credit dropped 86 points, and I am having trouble getting a mortgage loan. I have not had a late payment report in my entire over 25 years of credit history. My mortgage broker says I am not longer eligible for the loan we had planned to get based on my credit score and will need to get a VA loan because of lower credit requirements. This mistake will cost me tens of thousands of dollars extra if I can get the loan. 

Respectfully

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 2015-04-03
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had been trying to get help from CitiMortgage on a loan modification for quite a while with no luck. I got an approval from Keep Your Home California for {$25000.00} towards my arrearages and CitiMortgage still would not approve the modification. CitiMortgage eventually sent back the funds that XXXX had wired them on my behalf. That is when I hired the XXXX Law Group in XXXX XXXX to assist in getting a loan modification from CitiMortgage. XXXX XXXX was assigned to work on my file and she submitted the loan modification package on XXXX XXXX, XXXX. XXXX has an extensive mortgage background and felt very strongly that I qualified for the modification. On XXXX XXXX, XXXX XXXX spoke with XXXX at CitiMortgage who told her that my loan modification had been denied because the investor does not participate in HAMP and the investor mod was denied due to my " income not being an ongoing source ''. I have worked at my job since XXXX XXXX and do not intend on leaving any time soon. At this time a new single point of contact, XXXX XXXX, was assigned and XXXX told XXXX that XXXX would be calling her in XXXX to XXXX days. She finally spoke with him on XXXX XXXX, XXXX. He told her that it would be best to wait to resubmit the loan modification request until my XXXX loan was paid off. It was paid off in XXXX XXXX so XXXX re-submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the modification was denied again this time because : " The current income and assets provided is insufficient to offer an affordable payment solution ''. The denial letter gave us XXXX days to appeal the denial. On XXXX XXXX, XXXX Citibank filed an illegal Notice of Default against my property. Since I was still in the appeal process this is a violation of the California Homeowner Bill of Rights for dual tracking. XXXX filed the appeal letter on XXXX XXXX, XXXX proving that I do qualify for the loan modification and also contesting the illegal Notice of Default. The appeal was assigned to XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX told XXXX that the decline will stand per investor guidelines. XXXX asked her what the investor guidelines were and XXXX would not say. XXXX asked her for the XXXX and XXXX XXXX for the Investor which her office had requested but never received in XXXX XXXX. XXXX told her that the request needed to be in writing. XXXX sent out the letter that day and has still not received it so how do we know what the investor guidelines are? CitiMortgage also refuses to rescind the illegal Notice of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
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: Was not notified of investigation status or results

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Choice Recovery, Inc.
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:
Hello, I hope this letter finds you well. On XX/XX/2022, a fraudulent collection account was opened in my name in the amount of {$400.00}. The account is currently owned by Choice Recovery & it says the original creditor is XXXX XXXX XXXX. I have not done business with either company. This account is a fraudulent account, and needs to be taken off my credit report. I pay my bills, and I wouldnt let a {$400.00} account go to collections. What is this even for? 

Regards XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a credit card in the mail, Citi Master Card that I do not recall applying for. If I did apply for this card, I still do n't want it. I called XXXX and asked to have the card cancelled. I was told I would be on hold for 2 minutes so the man could do this. After 20 minutes of being on hold I hung up and called again. This time a woman told me I needed to identify the password I created that started with the letter " B ''. I never created a password for this credit card, and have never created a password that starts with " B ''. I assume that preventing people from cancelling credit cards is against some law or regulation and would like to file a complaint against this company for preventing me from cancelling this credit card. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Affirm Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get 5 to 7 calls a day from affirm on my work cell phone through out the day everyday. Last person i talked to was rude and i couldn't understand him and he threatened me saying it would be put in collections if not paid. I was out for 2 weeks with XXXX for the 3rd time and i tried there site and it said i didnt qualify. I have all the phone documents and XXXX XXXX to add to this complaint. I emailed and chated online to stop the calls and its still happing. I have paid half the loan off and could not due to out of work for XXXX Now im back to work but they will not work with me and still call my work phone while im at work. Today i chatted with them and they claimed they were not making mulitple calls and i have the logs here. They lied to me about the calls and i pointed that out but i cant send them nothing to show it on there chat. And when i call each number back it says affirm message and hangs up. He said they would not repeat calls and at the same time of the chat another call from them came in from a different number. So he lied about calls and harrassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital one  XXXX   XXXX   2015 their is  an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, INC.
State: OH
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 was requested Verifiable Proof for the attached accounts. Per section 609 of Fair Credit Act. That information was never received or provided. I request this accounts be removed as it has been over 35 days and no real investigation ever took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased kitchen pulls worth {$220.00} from XXXX XXXX via XXXX using my Discover card on XX/XX/2020. This vendor uses XXXX as a selling platform for her merchandise to US customers  through XXXX. This fact was unknown to me including her location which is mainland XXXX. When I asked to have the merchandise returned because they were the wrong size, she gave me instructions to mail it directly to an apartment in XXXX and not to indicate that it is a return because she does not want to be charged a tax or something. She also said she would refund it including my mailing cost of {$74.00}. When I finally mailed it to her, she changed her tune that she was only refunding the mailing cost to me ( note that the shipping was free of charge, so no cost identified at all ). I also filed a billing dispute with Discover to get the refund. After all the back and forth negotiations, Discover refuses to refund me despite showing them my USPS receipt, tracking number and the shipping declaration. Their reason -- I have to show proof of receipt by the vendor. Note that USPS informed me at the time of my mailing that USPS can not track the final destination inside XXXX because it is a XXXX country. The tracking can only show the port of entry in XXXX. I have tried to ask XXXX to intervene but the vendor tries to sidetrack the issue by first saying that the amount was deducted from her account, failing to mention that she received the credit after the temporary refund was rescinded because I could only show the mailing receipt and tracking form but not proof of receipt by the vendor. 
To date, XXXX could not get any clear response from the vendor whether she received it or not. 
Based on all my due diligence of returning the items, it is very unfair that the merchant gets to keep her merchandise because there is no power from the U.S. to force her to show proof that she did not receive the items, and I have spent over {$300.00} for the cost of the goods and return shipping for nothing.

I would like the US Department of Finance to help me get my refund  and the cost of mailing from the vendor or from XXXX because I have ended up being defrauded by a vendor in XXXX being sponsored by XXXX. I am attaching the receipt from the vendor, the USPS receipt,  the tracking form, the shipping declaration, and the back and forth emails between me, the vendor, and XXXX. 
I look forward to your kind help, support, and consideration. 
XXXX XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: CT
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: PW
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We currently have XXXX mortgages with Wells Fargo that are VA loans : Property # XXXX is in the process of a Deed in Lieu of Foreclosure and Property # XXXX I am attempting to do a loan modification for to retain it as my primary residence. This process has been going on for over 18 months. I am having trouble with Wells Fargo in completing this. For property # XXXX, they required an occupancy inspection last XXXX and they were going to pay for it. The inspection was done but they did not pay for it I finally did in XXXX XXXX and sent them the report to finalize the process. In XXXX XXXX, they said they could not complete it due to a lien against the mortgage. They gave us the info and we contacted XXXX XXXX. They did not have a lien against that property and it was a hassle getting it straightened out. In XXXX, they send a letter saying they will have a resolution by XXXX XXXX and then another letter stating they 'd have one by the XXXX of XXXX. The loan modification for property # XXXX is in limbo until Property # XXXX gets resolved. I applied for a loan modification last year, paid a monthly forbearance from XXXX XXXX until XXXX XXXX. The one for XXXX was sent back and I was told that it is in Foreclosure status. I spoke to a representative that said to reapply for the loan modification. My issue is that I speak to different representatives, leave messages with no return calls and am disrespected. We have done what was asked of us by Wells Fargo and are led in circles with no resolution. I was told that I was safe from foreclosure on property # XXXX until property # XXXX gets resolved. The financial hardship began in XXXX when we divorced and I retired in XXXX XXXX from the XXXX XXXX. Property # XXXX was being rented until the tenants did not pay their rent and we could not afford to pay it for a period of 12 months. We had mortgage on property # XXXX, which was the primary residence of my ex-husband, and I was paying living expenses while XXXX. 
In XXXX XXXX, we receive paperwork stating that we have to do the process again to request a Deed in Lieu of Foreclosure for property # XXXX. This was at the final stages prior to them telling that there is a lien when there is n't. 
For property # XXXX, I am told to submit paperwork, like paystubs, request for mortgage assistance and XXXX to see if there is any financial changes. Nothing has changed, I am just waiting for property # XXXX to get settled in order to have my loan modified in my name. They also charged the lawyer fees to my delinquent payments that are in excess of {$1000.00} when it was them that hired the lawyer. 
I appreciate your assistance in aiding me keeping my home and for dealing with the sticky red tape with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: CAINE & WEINER COMPANY, INC.
State: TN
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:
I sent letters requesting debt validation to Caine & Weiner in XXXX XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. In XXXX Caine & Weiner provided me with a document with my name and address and an amount that they saying I owe them {$170.00}. I responded in XXXX asking for more details. Caine & Weiner has not responded to any of my other letters however on XXXX XXXX XXXX this company placed a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was not properly served notice of a suit that has been filed against me. This law office acting as a collection company has no legal bases to sue me. I have no contract with them. I regularly check the court records online to ensure that there are no cases against me and this was how I found out. This company did not properly serve me. I have also noticed that there is a completely different company ( XXXX XXXX XXXX ) on my credit report filing negative information for this same account. I have submitted a debt verification affidavit ( via certified mail ) over 21 days ago and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a school loan with Fed Servicing that was bought buy them, I was in the middle of a medical discharge of my school loans. My loans were discharged in XXXX and all my loans are in good standing on all XXXX credit reports except with Fed Loan servicing. They claim I was sixty days late with my loans, and they were in the discharge process and were not to be considered late, my loans were bought and sold 3 times and all XXXX of them are listed as negative on all of the XXXX credit reports. I started to dispute this back in XXXX when I noticed this company put the XXXX loans on all three credit reports. I even contacted DOE and and they said I had to contact Fed Loan and I did and they told me to print out a dispute credit form and send all documents to them and they would fix it, Because on information on the DOE website it says if loans are discharged any negative information on your credit reports will be removed. That is aside from my loans were under protection while in the discharge process at the time. So I sent the dispute to Fed Loan and I got a letter back telling me they looked over documents and are " NOT '' changing the negative standing on my XXXX credit reports. So I called them again and asked why and they said nothing they can do, if I wanted to submit the documents again. I told them NO and that I was reporting them for not following Federal law.

Company response to consumer: Closed with explanation