BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX, I financed a vehicle, a XXXX XXXX XXXX with XXXX miles on it. My monthly payments are {$920.00}. The field I was in, was able to take care of that monthly payment. But my contract is for 66 months at $ XXXX {$970.00}. In XXXX thats when I got laid off and soon after the pandemic happened. I couldnt find work. And I fell behind on my payment. I still have the vehicle to this day. Ive tried to ask for a deferment so my account isnt in delinquent. I make {$600.00} biweekly payments. During the year of the pandemic I wasnt employed. So I became more delinquent. I would said 10 or 11 months delinquent and I still had the vehicle. Now they call me telling me I have to pay {$11000.00} to bring my vehicle current or repossession will take place. I am struggling. I lost a child during the pandemic and it wasnt easy getting out of my situation. My interest rate is about 22 % or more. I am from the 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 2017-01-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Awhile ago on my credit my banker mentioned a Wells Fargo account of XXXX was on my credit and I was completely unaware of that. Then, the scandal happened and I thought it would automatically be pulled from my credit report and it was not. I never opened a credit account with Wells Fargo. Only a checking account and I closed 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 2015-11-15
Company: CMG MORTGAGE, INC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Completed FHA XXXX refinance with appraisal in XXXX 2015 with CMG. Paid {$510.00} for appraisal all documents were correct at closing and all mortgage documents and FHA documents signed at closing reflect correct Mortgage Insurance Premium ( MIP ) of .0080 % for XXXX months. ( See attached docs ) CMG sold rights to loan before first payment due. After I made first payment I noticed that the servicer XXXX was deducting to much money from my escrow account for MIP. Contacted XXXX and they informed that the loan was closed with FHA as XXXX Refi without appraisal and the MIP was .0085 % for 30 years. I filed a complaint with the Comptroller of Currency as XXXX is regulated by them and they sent a resonse. ( see attached ) XXXX contacted CMG Financial because they caused the error. I recieved a letter from XXXX XXXX ( Vice-President of CMG ) ( see attached ). CMG offered to refund the excess for the life of the loan or refi at " no cost '' to correct the error. Upon research with the FHA the loan can not be corrected it would need to be refinance to correct the error. I spoke with the FHA and they said that refunding my money monthly was not allowed under their rules and I am not comfortable with that either because CMG no longer owns the rights to the loan and I have no guarantees if they become insolvent or are sold in the future that I will be refunded for 30 years. The FHA also said they require a " Tangible benefit '' to refinance my loan and I would have to agree to a new 30 year loan. I have already paid more than {$8300.00} in interest, MIP and UMIP on my current loan and do not want to lose that benefit because the loan company made an error. I agreed to a " no cost '' refinance into a 29 year conventional loan at the urging of XXXX VP. When the loan papers arrived for my signature they show that I must pay {$8500.00} to refinance. That is not a no cost loan so I contacted CMG and they stated that I would have to agree to pay or they would not refinance. CMG has left me with a defective loan and does not want to fix it because it is " too costly '' for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I applied for a XXXX XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX   credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I received pandemic unemployment from the state of PA in the form of a visa debit card issued by ReliaCard. When attempting to activate the card I was denied access. I called unemployment and the treasury department where I was told there is no hold on the claim. On XX/XX/XXXX Reliacard sent a text message requesting a " selphie '', which I immediately sent. On XX/XX/XXXX, the card was still being denied. I immediately called, and was to fax SS, drivers license, 2019 tex return, and W2 form to fax number ( XXXX ). On XX/XX/XXXX I called again, since th card still would not activate. I was told then to fax it again, at 200 % magnifaction. I was then told the matter would be escalated and to call back in 10 business days. Ten days later I was told the hold remains and can not be lifted, with no instructions for recourse. PA treasury has issued the claims, as I have been able to successfully verify the amount on the card. Todate, I am still unable to activate the card. As of today, the debit card has over {$11000.00} issued in my name.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.

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 2022-03-18
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX. 
I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX. 
All these payment were made electronically and I proof of payment. 
I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance. 
Sincerely XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MD
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:
Equifax and XXXX reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. Equifax and XXXX has not provided me original contracts with my signatures and they failed to reply to be with the XXXX  days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AES/PHEAA
State: NY
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:
Fedloan advised me in XXXX and XXXX I had to recertify my loans otherwise it would mess up my payment counts. I recertified my loan. XXXX, this was incorrect. Die to the administrative forbearance I did not need to recertify by XX/XX/2022 because I had an additional year at the lower payment. Fed loan processed my recertification XXXX and my payment went up by over {$300.00}. I am a XXXX single mom and I do not have that kind of money. Plus, Fed loan was not honest when they stated my loans had to recertify by XX/XX/2022 when in fact I had a year like everyone else. 

I want my monthly payment to go back to the previous amount of {$99.00}. I am being penalized for Fed Loan 's incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a disputed response to previously filed claim against Paymap and Western Union CFPB Complaint Number XXXX. 

Paymap issued a stop payment for the re-issued check in the amount of {$520.00} after it was deposited XX/XX/2017. My bank issued a notice of returned deposited/cashed check due to return reason : Stop Payment by Paymap Inc. Attached is the stop payment notice I received from my bank. I was not able to collect promised amount due to the above reason thereby I am disputing Paymap 's response. I called Western Union/Paymap 's Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX but there was no one to answer my call despite several trials. 

I am formally submitting a compliant to have Paymap re-issue the payment of {$520.00} in the form of Cashiers Check issued to the correct pay to the order of : XXXX XXXX as originally disputed on claim. Mail payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I originally disputed an error on my Transunion credit report on XXXX XXXX, XXXX where they were showing a XXXX account as a collection account. I am a XXXX customer and I originally verified with XXXX that this was an error in reporting, they agreed, and told me to dispute the error with Transunion. Transunion never responded to me within the 30 day time limit as required by the Fair Credit Reporting Act. I sent Transunion a follow-up letter on XXXX XXXX, XXXX and they never responded until XXXX XXXX, XXXX! As per FCRA I want the item XXXX reported and that I disputed removed permanently from my credit report since Transunion did not respond to my original dispute dated 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 2020-12-29
Company: EQUIFAX, INC.
State: RI
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:
****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: ACIMA CREDIT, LLC
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:
The company XXXX XXXX XXXX XXXX is reporting me for a debt of {$2900.00} that I owe them. I have never bought anything with them. someone is doing it with my information, so I request that an investigation process be opened. The company has not taken basic measures to prevent this fraud. such as photo identification and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly that this account is past due. Experian reports incorrectly that this account has a credit line of {$40000.00} and yet my debt is above the credit line which causes me to go 990 % above authorized usage. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian is reporting inaccurate information on my credit report passed the 7 years statue of limitations ... ... why? ive tried to contact them in regards ... .its against the law to report items for 14 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 2016-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-12-29
Company: OneMain Finance Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The Law firm of XXXX XXXX XXXX in Michigan, repeatedly violated the FDCPA in collecting my debt. I tried to get the paperwork on the debt and it wasn't until they had to because they filed in small claims court that I received it even after repeated requests over 3 years. Over the three years they constantly used stall tactics on me by stating they had to contact the creditor on any arrangements. However the court paperwork showed that was false/fraudulent or at very least misrepresented the ownership of the debt. The court papers, as well as the original creditor, showed they owed the account outright for the entire time. I have the emails and the court papers showing the above to be true and indisputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
With chime on line banking account I called to update my email, they spelled it wrong, could not get back into my account, they sent me a check but it was spelled wrong to, they asked me to send them a selfie holding my ID where they could read it, did that saide they still could not read it, bought a special lens to enlarge it sent them numerous pictures of me holding my ID no they could read it now they're ignoring me and they have XXXX of my money that I have been trying to get back for months now and all I get is no response from them now they say that they received my messages but they never get back to me or reply to him my name is XXXX XXXX XXXX I no longer have the banking account with them so I can not call and talk to nobody in customer service I've been having to send through times support time emails I have a new bank that I have been with for years and years and I'm back with now and I've sent them my bank account number and I won't even reply what do I need to do to get my money in that bad because of this can not even afford to go to the doctors please help if you need to get in touch with me my phone number is XXXX and again my name is XXXX XXXX and no longer with time banking have not been for months now and I have a bank account with XXXX XXXX it was a check issued by XXXX  until my account when I had it with them and they kept it I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Kikoff Inc.
State: MN
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 have filed a dispute in regards to the incorrect items on my credit it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation