BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2022 I called the company to inquire about the status of my complain sent via online portal; was not addressed. I was then told that my car was out for repossession. I explained why and how my payments have gotten behind. I did request as for the same with every conversation that I need to be able to make smaller payments or refinance the loan. I did also request a coupon book be sent 3 weeks prior to repossession and it was not honored. I implied that I would like to make a payment via 1099A process and they refused to accept it. I have acquired a lawyer because of the breach of peace when the vehicle was repossessed. There is also another account that I have paid off and has not been removed from credit report and is still reporting with no balance owed. I was advised to contact the dealership to speak with them about payments and how can i rescind my signature to void out the contract. I was advised that they did not have any information and would not help me with this. now my last major concern is that I was informed 3-4 hours prior that i can pay 1 monthly payment and it will remove the repossession. By the time they came to pick up the vehicle the amount to pay is no {$1500.00} ; which is double the payment plus interest.

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 2017-06-15
Company: Experian Information Solutions Inc.
State: MD
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 opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it  down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive  any letters on what happened with the deposit.

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 2022-09-11
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Caine & Weiner has willfully violated me as a consumer. I did not receive a notice to dispute this alleged debt prior to them furnishing the amount on my consumer report. Our initial communication was deceptive as they did not give me the opportunity to validate or dispute this debt. They enforced payment on several occasions. They were instructed to cease communication before and have still attempted to coerce payment of this alleged amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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:
TRANS UNION HAS DON NOTHING ABOUT XXXX XXXX FOR XXXX THIS IS NOT MY TRANSACTION.ALSO XXXX XXXX HAS ACLOSED ACOUNT ON MY CREDIT FOR XXXX THAT IS NOT MY ACCOUNT. I ALSO JUST HAD SOMEONE DO XXXX INQUIRIES ON MY CREDIT XXXX XX/XX/1921 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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 2021-05-12
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have closed on the sale of my home on XX/XX/21. The escrow payment has been held for three months and counting after the loan was paid off. I've called 7 times and keep getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received by mail a letter fro m transworld system wi th amount of  XXXX  $ to be pay to  XXXX    XXXX    XXXX  but what I have on hand from the court judgments minutes of order that I have to pay  XXXX  $ and the landlord have on hand  XXXX  $ security deposit so I have to pay only  XXXX  $ Amount I attached the judgment order and the landlord statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
LexisNexis sent me a copy of my consumer disclosure report. On that report, there were nearly 9 pages of different variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the following data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CCS is attempting to collect an alleged debt with the necessary verification. As the consumer I was denied my right to dispute. They did not send me the opportunity and have willfully furnished biased information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CitiBank as of late XX/XX/XXXX was charging 21.24 % interest on a Citi/AAdvantage credit card for a customer with a XXXX XXXX score, an annual income of approximately {$140000.00}, and a long-term track record of timley payments. Citibank on XXXX XX/XX/XXXX raised interest rate on the Citi/AAdvantage credit card from 16.74 % to the Penalty Rate of 29.990 % after claiming to have received a payment one day late ( due XXXX XX/XX/XXXX and received on XXXX XXXX ). Citibank has continued to charge well over 20 % interest for over two years, despite no late payments during this time.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I was checking my credit report and my credit information has been breached and I have reached out to transunion to dispute the inquiries that are unknown to my knowledge. and they have not responded and still have not removed them. I have filed a ftc report and my reference number is XXXX and the confirmation is XXXX and these inquiries should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX and XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.

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 2017-06-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2021-10-28
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I placed a bill pay request with PNC bank to be sent to a credit union to pay off a loan. There was a specific amount required for the date selected. Their website shows " Check # XXXX from your CHECKING XXXX account was mailed to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Funds for this payment will be withdrawn from your account when XXXXXXXX XXXX XXXX cashes the check. '' I check with the XXXX XXXX and that have no record of the transfer. I call PNC get hung up on 2 times and then was informed the money was not sent until today XX/XX/XXXX. I point out that was not what I ordered nor what their website stated and the loan payoff increases with each passing day. They customer service rep just kept saying it was not sent until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and  interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.

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 2022-09-11
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Using unconstitutional debt practices to attempt to collect a debt they purchased. This debt was not validated or disputed by me before they provided the delinquent information to the credit reporting agencies. This company is willfully disregarding the laws in place under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank is not reporting my updated balance to XXXX ( an app ).

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 2020-06-22
Company: FCI Lender Services Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1st. - FCI Lender Services Inc. is the sub-servicer for XXXX XXXX XXXX XXXX. The company alleges it is the owner of our mortgage. I have requested from this service a forbearance due to Corvid19 and loss of income. The company has REFUSED to give us this forbearance or even acknowledge that we have made this request. 

2nd. - Over the past two years we have made repeated request of FCI Lender Services, XXXX XXXX XXXX XXXX to have a  presentment of out note. Instead of granting that request, they have moved to accelerate the loan in an effort to foreclose prior to the discovery of counterfeit documents which they have provided to us. This counterfeit mortgage is being used to foreclose on out home. We have proof that these documents are counterfeit and will provide both the registry copy of our mortgage and the counterfeit copy provided to us by FCI Lender Services via a QWR request. 

3rd. Out insistence on seeing the original note has been meet with continued resistance. They have no valid explanation as to how they obtained the counterfeit documentation or why they are refusing our requests. It is my belief that they know the documents are fake and are attempting to foreclose before it is discovered. Please note that corrections were made to the fake mortgage but unknown which is completely different from the mortgage in the Registry of Deeds in XXXX Massachusetts. With this knowlege FCI and XXXX XXXX  XXXX can not merely state they were unaware of this glaring irregularity. In fact, thus act constitutes Uttering on the criminal statue as they are : 1. Attempting to Collect a debt 2. Across State Lines 3. Knowingly using false documentations The case of In Re XXXX ( XXXX  ) Massachusetts case applies here as the chain of title can not be repaired. I will enclose a copy of both documents for you to look at. We have not paid this servicer because we have strong doubt that they actually have our mortgage given the documents they have provided. They are unwilling to communicate with us regarding this matter. In fact all communications have been referred to their legal representative identified as : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX Massachusetts XXXX ( XXXX ) XXXX. 

This firm is handling the acceleration of the mortgage but the mortgage they have is counterfeit. In a phone conversation with them I informed them of this fact as was told " So ... you do have a mortgage don't you? '' This cavalier approach to this serious matter belays the fact that the documents are fatally flawed, complete with bogus signatures and changed notaries. A simple visual inspection of the document shows even the street name is misspelled. Please examine these documents ... We are getting ripped off and we have been unable to get anyone to listen to us so far.

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 2021-10-28
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are 3 collections reporting on my credit that do no belong to me I have ID theft, I have sent numerous letters to the collection agency and the credit bureaus and they have not removed them. 
SEQ FIN SVCS/XXXX XXXX  XXXX XXXX XXXX XXXX ) COLL ( {$4300.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) COLL ( {$440.00} ) XX/XX/XXXX XXXX XXXX SEQ FIN SVCS/XXXX XXXX XXXXXXXX XXXX ( XXXX ) COLL ( {$760.00} ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation