BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

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 2022-04-12
Company: CL Holdings LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company filed a wage garnishment through XXXX XXXX ( Nebraska ) in XX/XX/XXXX. The garnishment was paid put of my pay check between XX/XX/XXXX and XX/XX/XXXX. Company is still sending letters calling daily some times XXXX a day. I contacted Company and told them several times this was paid with wage garnishment. Will not listen and trying to threaten me with another wage garnishment for something that was already paid. They refuse to look in their records or do any research and claim its my responsibility to correct their lost paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Secure Lending Incorporated
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, 2019 we applied for a mortgage loan with Secure Lending Services located in XXXX XXXX in XXXX Ohio. We submitted all documents. Few weeks later we start receiving letters of being " approved ''. Time goes by and closing date is not given to us.They start asking again and again for the same documents. One excuse after the other. Finally they ask for down payment which we wired to title agency. Another 2 months go by. More documents asked for. They pulled my credit 7 times without my authorization for the last 6.  They called saying they needed money so they can pull my credit again, that's where i draw the line and say NO. Appraisal done, documents submitted, down payment wired, and still no closing date. I decide to drop the deal and I call them and let them know. Then i start receiving texts and emails from them saying how they just need one last thing and that we should be able to close the deal. I had nothing else to tell them so I don't reply to messages. I had 2 brokers work on this matter and they where very irresponsible and unprofessional. I have a ton of documents, texts and emails to prove all of this which i could submit. They kept blaming FHA for the deal not closing. While I am filing this complaint i just open a letter from my mail and it is from them stating that they denied my loan for being incomplete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Rushmore Financial Services. I  called to ask about government help for Covid-19 affected families. I was told that there was a forbearance offered but that I would first have to pay my current mortgage payment. The gal also let me know that I would likely lose my house at the end of the forbearance anyways. She offered no other solution. I paid my mortgage but that leaves me extremely tight. I am just trying not to leave myself in a financial peril during this time. I feel like this company is attempting to manipulate the rules of these programs to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened a new account with Capital One on XX/XX/2020 and received an email that the card had shipped on XX/XX/2020. I have not received the credit card as of XX/XX/2020. My online banking account claims it was shipped on XX/XX/2020. When I called previously, they said it should take 7-10 business days from the shipping date which is long past. Though now when I call the automated service claims that no card is on file having been shipped. It is all very confusing. When I call Capital One to speak with a representative there is no one available to talk to and my call is dropped. They advise I use the online portal, which advises me to call a line which has dropped my call 5-7 times. I have been calling since Monday, XX/XX/2020. I am monitoring the account closely as I do not know if my mail was stolen. As of right now, Capital One does not have adequate staffing to deal with the Corona Virus Crisis. Additionally, I XXXX  at Capital One yesterday. 

The XXXX  is at this URL : https : XXXXXXXX XXXXXXXX As of Friday, XX/XX/2020, I have no received any response from them. This is unacceptable during a national crisis. Many are unemployed and customer service over the phone is a remote work job. I do not know when they are not able to keep their responsibilities to their customers during a national crisis. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I completed a balance transfer with Chase on my XXXX Chase card. The amount was to be interest free for the period. I would regularly use the card to make purchases beyond that transfer amount, and upon receiving a billing statement, would overpay to account for the charges where interest would be applicable, plus the minimum due to account for the balance transfer. Despite these overpayments, Chase is charging interest on the purchases, despite their cost being more than covered by each payment. For example, I made {$200.00} in purchases in XXXX, had a 0 % balance of around {$9000.00}, and made a {$500.00} payment to account for all charges and minimums to pay down. There were no additional charges on the account, so I effectively paid off the interest-bearing piece of the statement plus {$300.00} additional. They charged me {$36.00} in interest anyway. I have XXXX other credit cards and none do this. Their language is deliberately vague and does NOT state that this is the case, but claim that one phrase about there being ANY balance on the card, 0 % or not, means they charge interest on any and all purchases regardless of whether they 're paid off each period. I ended up paying the card off in order to cut all ties with Chase but they 've collected hundreds in interest from me despite all efforts to pay off what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I financed through westlake financial for a used XXXX XXXX XXXX in XXXX of XXXX. In XX/XX/XXXX I used that car as a trade in with XXXX XXXX and they sent westlake a check for my payoff amount. The next day, before they got the check, my monthly auto payment came out. With the payoff being the full amount and then my payment coming out, there was a XXXX something dollar difference that I was supposed to receive a check for. I called them to let them know I moved addresses and they said they changed it on file. A month later I hadnt gotten the check and they said they sent it the day before that to the new address and it would be there within XXXX weeks. Then a month after that on XX/XX/XXXX I called, still not having received it, and the person I spoke to said the check was sent to the old address even though they said it was changed. I have called them 7 times now and asked for a supervisor. This supervisor isnt a supervisor whenever I call and they tell me the check was sent of different dates. Ive been told it was sent on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and Im yet to receive my {$430.00}. They keep avoiding any direct questions I ask them and have refused to give me a tracking number for the check that they have sent out to me. After 3 months of fighting with this company theyve only expected me to give up on it but I still want my money back.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve any investigation results.

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 2019-12-01
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 tried to have fraudulent data removed from my credit report and customer message service wouldnt help me so I opened a dispute and the fraudulent data wasnt removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Request for loan forgiveness. 
Please see Release of Mortgage/Note attached. 
After much request also please see the attached recorded mortgage received from XXXX XX/XX/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 explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I closed my Chase credit card account on XXXX XXXX, XXXX to opt out of further rate increases. At that time the interest rate was 7.99 %. In XXXX XXXX the rate increased to 8.24 % ( I do n't know why ) and increased again this XXXX XXXX, XXXX, to 8.49 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans Union is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is Fraud Remove all the of fraudulent Inquiry Inquiry details XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2021-09-23
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the SECOND CFPB complaint against Loancare for same issue ( previous complaint XXXX ). Loancare is again reporting my mortgage account as late payment 120+ days which has caused my credit score to tank. This caused me extra money, denial of credit and unnecessary stress.

Loancare corrected reporting on XX/XX/XXXX to turn right back around today XX/XX/XXXX and report inaccurate information. 

This information is not correct. Per previous CFPB complaint and Loancares response - ACCOUNT WAS NEVER LATE.

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 2015-05-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Briefly, a nightmare involving Identity Theft dating back to XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with Chase Manhattan in XXXX. 
A company named XXXX XXXX XXXX appears to be abusively recycling this old Chase account even though they were responded to in XXXX and it appears that they may be doing this with Chase 's help. 
A total nightmare going back over XXXX years that should simply never be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this 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 2019-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
you wrote to me this bull. for complaint XXXX-XXXX Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please note, the address that you have provided is not reporting on your Equifax Credit File and correspondence is not able to be sent to you until we are able to confirm your current mailing address. In order to update your mailing address please provide one of the following documents in order to update your mailing address : you have my address same address for 40 years here is my address from your latest report you sent me this is what you are getting for proof of address and thats all you are getting this is my address the same that XXXX  AND XXXX HAS so do you no need to update address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/22 vehicle purchased through XXXX repossessed by Bridgecrest. Car purchased XX/XX/22. 

Vehicle not repossessed for non payment but because paperwork incorrectly completed at the dealership. 

Drive time the seller of the vehicle states they called and sent notices. 

Bridgecrest the finance company acting as debt collector did not. 

Spoke with several representatives from both XXXX and Bridgecrest stating contradictory information. 

Bridgecrest stated contract invalid at sale but is trying to maintain rights, XXXX wont null and void the contract because they say it is proper. 

Tried to have Bridgecrest waive the reinstatement fee because it was a XXXX paperwork error. 

They refuse and even though payment offered on XX/XX/22, same day, third party repo company states they can not release vehicle within a day. 

These companies not only have unethical and possibly illegal and unclear business practices they have now also contributed to emotional stress and lost wages.

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 2020-04-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
To whom it may concern, I was expecting to receive a check from Citi Bank late last year regarding to the reimbursement of car insurance. Not only I did not receive my check, but also told by Citi Bank that the missing check was instead cashed by one of the XXXX XXXX  Branch. I have confirmed with Citi Bank that the only payee on the check is me so that the check is cashed unauthorized. 

I have been contacting Citi Bank since the incident was aware, however, they report that they can only provide me up to the information of cash date, XXXX XXXX  branch, and the check number and refuse to escalate this issue to their Treasury Department for further handling. 
I have also contact XXXX XXXX  about this issue since I am also an account holder of XXXX XXXX, but they only reply that this issue can only be handled by Citi Bank and also refuse for further handling. 

I have information including the Citi Bank Claim Number ( also their reference number of the case ), check number, Branch information where the missing check is cashed, cash date, and check amount upon your further request. 

your help is sincerely appreciated

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 2022-09-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint has charged a late fee that I feel was wrongly imposed and they stated they are unable to reverse it. Customer service told me they the ability to waive the late fee had I already not made a subsequent payment but because I made the next months payment, the late fee was already applied and they can not credit my account. 

The mortgage payment for XX/XX/XXXX went up by {$83.00}. I never received the notice of the increase payment, although their records show that it was sent to me. Anyhow, I made the XXXX payment ( via my automatic bank pay ) of the old amount. Because there was a deficiency, of {$83.00} Shellpoint imposed a late fee of {$20.00}. 

The late fee notice is dated XX/XX/XXXX but since I was out of town I did not get the notice until XX/XX/XXXX. Since the XXXX payment was now due, I went ahead and made sure to submit a timely sufficient XXXX payment and believing I could contest the late fee after. 

I called Shellpoint after the XXXX payment was received to challenge the imposition of the late fee. The customer service rep explained that he did not have the technical capability to reverse the fee. He informed if I called before I made the XXXX payment he could have waived it. 

First, I believe I should not have been imposed the fee due to not having received notice, and the amount of the deficiency balance. 

Second, the imposition of the full amount of a late fee- {$20.00}- declared owed due to a deficiency of {$83.00} on the account is wrong/disproportionate. The late fee amount is what is supposedly stated in the mortgage note and is the full late fee regardless of what the amount owed. To me this is highly unfair and deceptive. 

Third, the inability of the customer service rep to remedy the situation due to payment and timing is unfair and illogical. 

Fourth, the rep did provide a means to snail mail submit an appeal or to fax, which I may still try to do, but they should have an electronic means to submit such things. Going through the extra steps of write, print and snail mail/fax is burdensome compared to the {$20.00} fee in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation