BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-19
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.

Company response to consumer: Closed
Consumer complaint received 2017-10-11
Company: HSBC NORTH AMERICA HOLDINGS 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:
HSBC has had authorization for Direct Debit of my mortgage for the past 13 years. 

HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide. 

I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing. 

HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation. 

I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first. 

CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, there is a 2012 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my history that I have been disputing for the last 7 months to get this item removed. 

I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a manager and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had 4 representatives inform me that the dispute is sent as a memorandum to the courthouse via XXXX. Once the court verifies it, the information is mailed back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they told me that they do n't report any information to the credit bureaus. 

I decided to call Experian back to speak with another manager, but this time they advised that the information is given by the runner who goes to the court house. 

I asked what information does the runner give to the courthouse, and how & what kind of physical information does the runner report to the credit bureaus. They could not answer that information and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.

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 2015-07-10
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
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:
Please see attached documents I have never authorized OneMain to conduct a credit inquiry on my credit report. I have sent letters to OneMain demanding validity of their conduct per FCRA regulation but they have refused to act in accordance with the law. 

OneMain continues to send the same response ( changing just the date of receipt ) and blatantly ignoring the requested information per FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX AND EXPERIEN I DONT OWE THE DEBTS THAT IS ON THERE IS INACAURATE I DONT OWE CHILD SUPPORT THERE CLOSED ACCOUNTS I PAID OFF ON ALL THREE BUREAU PLUS I AM CLEAR OF XXXX XXXX AND ITS SOME FRAUD ITEMS ON MY CREDIT AS WELL SO THE INFORMATION THEY GOT IS ALL FALSE PLEASE REMOVE ALL THE NAGATIVE ITEMS OFF ALL THREE CREDIT REPORTSO I CAN BE FREE OF THESE FALSE DEBTS. 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 2016-05-23
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a XXXX Credit Card and make my monthly payments online. However, for the past months, every single time I make a payment online, the transaction goes through and then there 's a " payment reversal ''. I 've contacted the credit card company to inquire on the reason why this happens and they can not give me XXXX. They 've made up different excuses as to why the payment is reversed and the common one is blaming my bank that they do not process the payment. However, I 've contacted my bank and they have not received any transactions from this company. Another reason is that I do not have the sufficient funds to cover my payment which is UNTRUE. I make my payments on time and sometimes before the due date and by more than the minimum, but they return them. This results in reporting a negative report to the credit bureaus and the reason I got this credit card was to re-establish my credit after a bankruptcy. I 've tried working with them in resolving this matter but nobody can help and I just get the run around. The only options they give me is to pay through XXXX XXXX or check but I will have to pay an additional fee that I do not pay through online. I began paying my bill online and did n't have a problem until XXXX 2015 and ever since, every single online payment I make results in " payment reversal ''.

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 2017-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, an d the Bure  au has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too m uch time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.

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 2017-10-11
Company: Vitek Real Estate Industries Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a 30 year fixed mortgage with XXXX XXXX XXXX. My normal payment increased over {$500.00} due to a new tax assessment. I recently started a new business and I am unable to afford to make the required mortgage. In XX/XX/XXXX I requested to work with Vitek Mortgage using their Loan Workout Program which offered a Loan Modification. At that time I mailed the required information to their office in New Jersey in mid - XX/XX/XXXX. I called customer service several times to verify if they had received the information. The package was received and sat in there mailroom for over a month. Finally in XX/XX/XXXX the information was moved out of the mailroom. Several documents were resubmitted at that time because the information had expired. I sent the requested information in with 48 hours of the request. That information included items like paystubs, bank statements and identification. After waiting another month, I called again to check on the status of the loan modification and was told that addition documents were needed. The requested were a Hardship Letter, a Profit and Loss Statement, and a Contribution letter from my wife. All of which was faxed and received by Vitek on XX/XX/XXXX. At that time, I was told that I needed to wait 30 days for a response from the Underwriter. I waited the required time and called again to customer service to get status on my loan modification. The representative that I spoke with told me that the Underwriter had not looked at my file and that they would escalate the matter. I have since " escalated '' this issue on three different occasions since XX/XX/XXXX and have yet to get a response from Vitek Mortgage.
According to Section 6 of the Real Estate Settlement Procedures Act this servicer has not complied with the requirements of this law and should be dealt with accordingly. I hope that you are able to help me with this mattter

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 2016-02-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.

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 2016-08-01
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Tidewater financial sent a text on XXXX XXXX at XXXX. They sent another text at XXXX on XXXX XXXX. The vehicle has been deemed a total loss and has been paid out by insurance company. There should be no deficiency on the loan that we are aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, My last credit score that I got from XXXX was over XXXX points. I applied for a credit card with XXXX and have not been approved. I was also a victim of the Equifax data breach. XXXX directed me to enroll in trustedid to help with protecting my information. I have received three notifications from this Equifax subsidiary telling me I need to log in and take action on the pending alerts. I 've logged in MANY times and there is nothing else I can do on the website. I 've also called the number in the email and was not able to communicate with the representatives who answered the phone. They were not able to find my account. I do n't know what else to do. There is no reason I should not have been approved for a credit card. My goal was to use the new credit card to transfer a balance so i would not pay interests. Equifax is preventing me from doing that and causing me to pay interest that I otherwise would n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello I have a loan with Covington credit. ( Southern Management ) I have missed XXXX pymt..and my  XXXX pymt is not due until XXXX XXXX the branch manager ( XXXX ) is very rude and keeps threatening to call my job and they have came to my home and left a letter take it this is my XXXX loan with them I paid off the first one.they are very harnessing about {$98.00} dollars please make them stop my intentions are to pay I am having financial issues right now.

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 2015-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About this time last month - I had used my Chase Debit Card at a XXXX store to purchase a wallet. The next day I had notcied that my card was missing - I contacted Chase as soon as I noticed the card was missing and filed a claim with them. They never responded to the claim with any updates and I would constantanly be calling to check status on the claim. Which they would always say they had no information. So now 4 weeks later - I find that my checking account accocated with debit card was closed. I contacted chase again and they claimed to have contacted me to let me know but never did. They said the account and card was closed due to the charges I claimed as fraudulent were maybe before the purchase at XXXX. The purchase at XXXX was made in the morning time, and Chase is arguing that the charge at the XXXX store was made at XXXX which is impossible because the store closes at XXXX. I feel like Chase bank is discriminating against me because I am XXXX. I have been a long time customer with them and I do n't know why they are treating me like this. Chase bank says they would like to end their relationship with me and I can no longer bank there, which is unfair. I have been a good customer and want to still bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
****Attention Credit Bureaus, XXXX XXXX has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.

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 2017-10-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX, I received an Email from a credit bureau company indicating that chase has added a missed payment to my credit history. It was surprising since I knew I was enrolled on auto-payment program, so it is impossible to miss a payment. I contacted XXXX and they informed me that they have sent a letter to me on or around XXXX XXXX indicating that my auto-payment has been turned off. However, they surprisingly sent the letter to my previous address in XXXX, while currently it is more than a year and half that have abandoned my previous address in XXXX and live in XXXX. In fact, in XXXX, I contacted chase via phone and updated my address, but based on my recent communication with them, they have failed to update my address for some reason! Accordingly, I missed a crucial correspondence with respect to turning off the auto-payment on my account, which led to delinquency and unfair report to the credit Bureaus. I talked to XXXX XXXX XXXX on XXXX at XXXX XXXX with respect to my complaint. She mentioned to me that she has left a note on my account regarding her finding regarding my complaint. 

Accordingly, given that chase failed to update my address, despite my request to do so via a phone call in XXXX, and chase has turned off my auto-payment after I enrolled in the payment program while subsequently failed to send correspondence with this respect to my updated address, I hereby request chase to correct its wrong-doing and remove the missed payment from my credit report history. 

I thank you for your cooperation and attention to this matter herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am going thru a loan modified with ocwen, their attorneys and " commissioner '' are harrasing me with 12 letters and certified letters demanding access to my property to access for immediate auction. I have called ocwen, now for the second to clarify the auction threat. At this time ocwen confirms they received my package on XX/XX/XXXX, but have not reviewed as of yet, so they have no scheduled sale. This the second time the ocwen attorneys have made this bogus threat. I had to schedule a meeting with someone otherthanmy case manager to get an update. My case manager available on XX/XX/XXXX but have meeting XX/XX/XXXX @ XXXX. due to judicial malfesience affecting a lien on this property, filed by myself, I think both sets of attorneys are ganging up, illegally pushing for this foreclosure to go thru. In hopes I will be unaware of my rite, and will surrender. I left an extended message with the ocwenz attorneys " commissioner '' and have not gotten any response back, his threat of accessing my property is for the XX/XX/XXXX. As with the 1st time, I was not informed INA timely fashion as well as being told, not asked to property access.

Company response to consumer: Closed
Consumer complaint received 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I wallet was stolen and I filed a police report with the XXXX county sheriffs office case numberXXXX XXXX. I called capital one and advised them that this account was fraudulent. they refused to assist me. As a result of there lax verification process my credit is now getting screwed up.

Company response to consumer: Closed with non-monetary relief