BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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 noticed 3 inquiries that I neither authorized nor had any connection with. On XX/XX/2022, XX/XX/2022, and XX/XX/2022, XXXX performed a Hard inquiry on my Equifax credit report. Upon contacting XXXX I was informed this was a bank that I have no personal account with or connection. Therefore due to this inquiry not being authorized, I requested to have this removed from Equifax at which time they informed me that I need to complete this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Target and XXXX credit card were open using my information on XX/XX/2022. Target and XXXX tell me this was done online. I Have placed a credit freeze and Alert with all three major credit agency 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I cannot close my short sale without the Assignment of Mortgage from this lender after short sale has been approved on XX/XX/2015. Me, my realtor and law firm company called Green Tree Servicing and left several messages requesting this to be done but nobody is helping us. My bayer is telling that they will walk away from the house if don't close by XX/XX/2015.....Not sure what to do !

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I had a charge on my XXXX  card for {$160.00} @ XXXX XXXX hotel, I called the credit card company stating I did not revived any services from this hotel when I arrived at this property it was unsafe & the room was rigged with unauthorized surveillance equipment illegal I said Im not staying at this property but the the property still charged my account. I complained to my credit card company which closed that credit card account & reissued a new card to me & they said the problem was resolved & I would be getting my refund immediately if not by the end of the billing cycle which was XX/XX/2022. Never received my credit on my account

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 2016-06-13
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi offered a deal that if you used a specific promo code and signed up for their premium CitiGold checking account, they would award you XXXX XXXX Miles. It was confirmed XX/XX/XXXX that I had met all the requirements for this offer ( {$1000.00} in debit card spending, 2 months of online billpay, opened account using promo code. ) I was told that I would be awarded the miles within 90 days. This was over 5 months ago. XX/XX/XXXX i was assured that the miles would post within XX/XX/XXXX, but that did n't happen. XX/XX/XXXX, I contacted Citi Bank again, and the customer service representative opened an investigation to check the status of my miles. He said I would hear back by XXXX XXXX, but nearly 2 weeks later I still have n't heard anything. This checking account charges a $ XXXX/month maintenance fee, and I 'm starting to feel like this offer is being dragged out so that they can collect additional fees.

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 monetary relief
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: PA
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: Problem with product or service terms changing

Complaint:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

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 2022-02-27
Company: EQUIFAX, INC.
State: PA
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: Problem with product or service terms changing

Complaint:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with product or service terms changing

Complaint:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

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 2021-08-24
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent letters out to Smith , Rouchon & Associates, Inc about some alleged balances of {$310.00} and {$45.00} that i don't owe. first its a violation of my rights by sharing my medical information with 3rd parties,2nd, its some inaccurate items reporting on my report. i requested information concerning the validity of the debts as well that i have not gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion reported Supplemental Public Records and Residential Information as well as Supplemental Consumer Credit Information to XXXX XXXX XXXX on XX/XX/2020. I have no account and no current or recent dealings with that company and I want to know why they are asking for and being given this information.

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 2016-03-19
Company: PHH Mortgage Services Corporation
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX, 2015, which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX, 2015 and XXXX XXXX, 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further, to justify their false letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan. 

PHH Home Loans also stated in its XXXX XXXX, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. 

The car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. 
Upon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . 
I am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. 
Additionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take. 

After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines. 

This is not the case. 

When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money. 

In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ). 

It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim. 

The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ). 

We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: OR
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:
I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX Bank NA # XXXX Balance {$430000.00} - Discharge in my Bankruptcy Equifax is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy Trans Union is Reporting as follows : XXXX XXXX  XXXX  # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...

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 2018-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not owe a debt to your company, Portfolio Recovery, of any kind. I have told your company thru the person calling not to call my phone number again but you continue seven days a week, anytime between morning and night. I am a XXXX person and your incessant phone calls are putting me at risk. I do not have any debt with you. You have been doing this for months so I am finally reporting you to the Consumer Financial Protection Bureau as you will not comply with my request not to call me. I am sorry it has come to this but you have left me no choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Cornerstone First Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been under contract to sell my home for almost XXXX  months. The buyer was using Cornerstone First Mortgage for their loan. At XXXX, the night before we were under contract to close at XXXX the next morning, the mortgage company requested a foundation, plumbing, and roofing inspection. All three inspection reports had been available for over a month, but they waited until less that XXXX hours before closing to request that information. I agreed to extend the closing another week, even though it was a huge mistake on their part. We received nothing from them, no returned calls, no documents, nothing... They wouldn't return phone calls, texts, or emails until after XXXX the day of closing to say that underwriting was still reviewing and requested it be extended another week. Now we are at the day before closing the 2nd extension and still nothing from them. They ignore repeated attempts to contact them by phone, email, or text. This incompetent mortgage company has now put me out of contract for the home I was set to buy. They have greatly impacted my personal and professional life by repeatedly extending and not responding and they have cost me hundreds of dollars for movers and storage facility fees. The title company has stated that they have never seen such unprofessionalism before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have several student loans with Navient. What used to be   XXXX   XXXX    when I first got them. Shortly after Navient took over things for very complicated. I have always tried to use the Financial Based Repayment plans I apply each year. The first year I applied with navient in   XXXX   I applied online per usual in   XXXX   since my repayment plan was up in  XXXX . I received a letter stating it was received and being processed. In the meantime I received my   XXXX   statement for the bill due in  XXXX  stating I owed {$0.00}. Soon after that bill was already due I recieved a letter stating the repayment plan was excepted and my new payments will be a certain amount. It says nothing about making a payment at that time and was not a bill. Just a letter stating what my new payment will be starting on my   XXXX   bill. However two weeks later I get a late notice stating that I owe the amount as well as late fees. I called them right away and the lady stated she saw the problem and fixed it because I did not owe anything for  XXXX  and my new bill in  XXXX  should have the new amount. She saw there was no bill sent out for the amount they said I was late on at all. I thought it was all done and taken care of at that point. However over 6 months later I receive a letter stating that my interest percentage rate and loan were both going to be increased because the loan percentage rate was based on me not having any late payments and I had one the following  XXXX  according to their records. I again called immediately they again said they saw the problem and would investigate and take care of it. Nothing heard from again at the end of the year I got my statement and I saw my loan went up quite a bit. I have called, emailed and tried several times for them to fix the error they made and get my loan back down and my rate back down. I keep being given the run around and going in circles and nothing has been done.

Company response to consumer: Closed with explanation