BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and I applied to Lakeview Loaning which is my current mortgage company, to refinance my home. I've done extensive research on FHA refinancing with cash out and I discovered that the statement of denial from Lakeview Loaning Servicing LLC, explanation they provided was incorrect. This mortgage was purchased from XXXX a few years ago and there has never been a late mortgage payment submitted as of today 's date by XXXX XXXX. XX/XX/2022, we completed the application process Loan # XXXX, for refinancing with {$40000.00} cash out. For several months XXXX XXXX and XXXX XXXX submitted financial information, tax returns and several other pertinent information as requested. The next process was the Disclosure e-sign and document review which were signed in a timely matter and submitted, at this point the loan process moved to the next step which was the underwriting department along with scheduling an appraisal XX/XX/2022, for the property. All these steps were a false indicator on Lakeview Loaning Services, LLC 's behalf that the refinancing process would be finalized. 

XX/XX/2022, we received a statement of denial from the underwriting department stating FHA would not allow refinancing with cash out. THAT WAS NOT A TRUE STATEMENT. The information about FHA should have been disclosed prior to the application completion if it were true. I have contacted several mortgage brokers and companies that are processing FHA refinance loans with cash out. We have consulted with an attorney and we believe that Lakeview is using discriminatory practices based on race and is not an equal opportunity lender. 

Lastly, the appraisal scheduled was never canceled by your company, we contacted the XXXX today and he was surprised and unaware of the changes, which further proves there is deception on your Lakeview 's part. We will be filing a complaint with Consumer Financial Protection Bureau, media and other outlets. The public should be aware Lakeview Loaning Services, LLXXXX, has discriminatory practices and they will allow clients of XXXX to presume that their loan process will be approved and then Lakeview gives you untrue information as to why the loan could not be processed.

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: EQUIFAX, INC.
State: IL
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:
In XXXX XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XXXX XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XXXX XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XXXX XXXX and still found XXXX XXXX  reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XXXX XXXX XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Nelnet, Inc.
State: IA
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:
XXXX is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX  XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CBC Companies, 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 information incorrect

Complaint:
On XXXX an inquiry from Factual Data was reported to my XXXX report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is with Loan Depot.XXXX weeks ago I spoke with representative XXXX XXXX and I thought that this was all taken care of. I made XXXX payments of XXXX on XX/XX/21 because the payment ( XXXX ) couldn't be found as they errored somehow. The account # XXXX which appears on my billing and the phone contact number XXXX sends me to XXXXLoan Depot should have corrected these errors. To make matters worse I am being billed XXXX which includes XXXX which after talking with Representative XXXX XXXX should not be appearing on my account as I never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
We had problems with the vehicle I leased from  Kia Finance  from the very beginning. There were check engine lights that would periodically come on. I took the vehicle to my Kia dealership   XXXX  Kia  in  XXXX , MI on  XXXX   XXXX , because I was concerned by these lights and I was told by them that they could not detect an issue. I suggested changing the oil and doing a more thorough inspection but they advised that it was not necessary. Eventually the vehicle died and I was told it was because the oil was never changed. I was disturbed by this because the vehicle had been to an authorized  Kia Service Center  multiple times and even when I suggested an oil change was told by these supposed expert professionals that they could not detect any issues and told an oil change was n't necessary, multiple times when the vehicle was brought in. We had the vehicle towed to the  XXXX   Kia  dealership and was informed that they would contact us to see what they could do. Months went by without us receiving any word from them, until I received a bill in the mail recently for {$9800.00}. This included {$8900.00} in unpaid lease payments, {$400.00} disposition fee, and {$530.00} in official fees and taxes. The bill also indicates that the {$9800.00} payment is due within 15 days of the notice. This is totally unreasonable. When I contacted  K  ia Finance  they advised that they could not even discuss payment arrangements until the account went to Collections. I do not think this is right that I am being asked to pay for a vehicle that was ruined though I did my due diligence and took it into a  Kia service shop multi ple times to voice my concerns with the warning lights that would come on from time to time and even recommended an oil change, which ultimately ended up being the reason why we were told that the engine died. It is also completely unfair that my credit will be ruined by this unjust bill of {$9800.00} that is due in a ridiculous amount of time, 15 days. I do n't think that anything should be owed on the vehicle and want this to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have sent in excess of 8 emails to a PNC VP rep about not being able to make my mortgage payments from my PNC bank accts... ..its been months and no replies and no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was diagnosed and hospitalized for XXXX XXXX for over a month where the XX/XX/2017 payment was missed and marked late for XX/XX/2017. I sent Cap One proof of my hospital stay but Cap one failed to adjust accordingly. I am adding front page of my bank statement ending XX/XX/2017 which shows a balance of {$1500.00} in my bank account therefore no problem at all to make the {$25.00} payment that was due.. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im contacted XXXX  XXXX XXXX XXXX. In regards to the report on my credit report, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,

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 2021-11-19
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX My son went to emergency room. Physician filed with the wrong insurance. Sent them the right insurance information, even though it is on file with XXXX XXXX in XXXX Georgia. They filed with XXXX XXXX Georgia XXXX but did not do so in a timely manner. So they had to write it off per insurance company. They told me it was written off and that collections would be notified and taken off. As of today, XX/XX/XXXX ( over a year ) it has not been done. I have phone records that show numerous calls made to Georgia XXXX XXXX XXXX. Dates called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have spoken to XXXX several times, XXXX, XXXX. I have jumped through hoops to have this taken care of. The collection agency XXXX XXXX XXXX XXXX, XXXX, GA ) XXXX, told me I was a low life and I don't pay my bills and they will take it off when I pay the {$430.00} XXXX owe the doctor. I called them on XX/XX/XXXX ( XXXX ), XX/XX/XXXX. I will be happy to provide phone records to prove I have called. 

If I didn't care, I would have not tried for over a year to get the problem resolved. 

They are ruining my credit! I am paying more on insurance because of my XXXX XXXX. My family is on XXXX. I don't have the money to fight these people, so I am trying to find legal aid. Please help!

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 2017-04-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In early   XXXX   I signed an agreement  with AES for a Rehabilitation program in which the terms clearly state that upon completion of 9 months of repayments my loans will be eligible for rehabilitation. Right on the agreement it states that one of the benefits will be that AES negative reporting will be deleted from my credit report. Here we are 4 years later and they have n't held up their end of the agreement and continue to illegally breach the agreement reporting the negative marks for these loans which continues to ruin my financial well being. Attached are the original agreement, the confirmation letter that I successfully completed the rehabilitation, and a recent copy of my credit report showing the section of the illegal reporting of 6 student loans in the rehab program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX & Equifax are reporting a XXXX XXXX  account showing incorrect info. Never have I had an account with them. 
XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase credit cart does not allow the consumer to choose the monthly automatic payment amount. Chase only gives consumers two choices, to pay only the minimum amount or pay the full amount. Which effectively allows chase to charge the full monthly interest on the entire balance which is more than half than the minimum payment. Which means your balance never lowers or the debt never goes away.
Chase has a substitute pay plan called Blueprint payments, which gives you a option to choose a cate  gory of current monthly charges and pay for only those purchases in full. Which still leaves your prior balance interest at the same level and not lower that balance. Which also means the principal balance and interest never gets lowered. In addition to have to pay a larger lump sum the same month of your charges, which is a added burden on the consumer to manage the debt.     Every other banking institution gives the consumer the option to choose the monthly amount to set up automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and saw that there was a credit card in my name from XXXX XXXX. It had been opened since XX/XX/2019. I became aware of it today. I called XXXX XXXX and they informed me there isn't an account under my name nor social.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EOS Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CCS Financial Services, Inc.
State: CT
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:
This account pop up on my credit and I never sign with these creditors. I do not identity with these creditors

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have payoff mortgage loan in full in XXXX I received instructions from representative and paid off loan. Only to be inform today that there is a XXXX balance on loan that has acrued interest and also a default interest fee has been added totaling {$3200.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: United Debt Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I managed somehow to pay United Debt Holdings. Which I found out later on never to pay a debt collector without validating the debt first. Moving forward I have been attempting to reach someone at the United Debt Holdings  who can give proper validation of this account. I recently sent a certified notarized letter to the Chief Compliance Officer XXXX XXXX XXXX and received no feed back on validating the account which XXXX XXXXXXXX XXXX sold to them. In previous conversations I found out that United Debt Holdings outsourced the account to another debt collection company that is no longer in business. Their lack of response lets me know United Debt Holdings is unable to give proper validation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: First Capital Recovery Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I sent to XXXX XXXX what he asked for a no doc loan application for a cash out refinance on a property my company, XXXX XXXX XXXX owns outright. I was then sent to sign up for my own portal in order to upload those same documents I had already submitted. In that portal was a request for my personal bank statements which was not expected. That was one of the first questions I had asked ; if I had to guarantee the loan. Asking for my personal bank statements when my personal guarantee was not required, per XXXX XXXX, seemed suspicious to me. I vocalized my concern with XXXX XXXX, the president of the company who had taken over my application. I emailed him how I felt about this, and about another requirement I had a problem with ; a blind credit card authorization for the appraisal charge. He called me to tell me that he would have the bank representative call me. When the bank representative called he said my personal bank statements were not necessary, and he also assured me he would call to tell me how much the appraisal would cost before the charge would be made. I sent in the authorization and after that heard nothing. 
I sent an email on XX/XX/XXXX and did not get a response. On XX/XX/2021, I sent another email and finally this time XXXX XXXX responded. He said he had decided not to do the loan because I was " rude ''. Because I questioned the blind authorization and responded with an email voicing my concerns about XXXX profiling for loans when this is a reality, I was " rude '' to him. But that is not even why I have a complaint. My complaint is that if he decided not to do the loan, he should have let me know instead of letting me wait all this time thinking he was considering the application. I could have applied elsewhere instead of waiting for an answer from First Capital XXXX. My complaint also has to do with the false information provided to me about not having to guarantee personally. Had they been transparent and told me I would have had to guarantee the loan personally I would not have proceeded with the application. My complaint is that he committed fraud when he requested more documents from me when he had no intention on doing the loan by then. My complaint is that I was discriminated against because I am both a female, and a minority. His decision not to do the loan is a result of discrimination, and not because I was " rude ''.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
XX/XX/2022 on XX/XX/2022 provide the information about the identity theft to XXXX Credit Acceptance Corp {$17000.00}

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