BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have initiated a short sale request with the XXXX Lien holder CIT Bank XXXX in order for to get a review for a Short Sale Approval from the XXXX Lien holder they have requested we provide them with the payoff from the XXXX Lien holder. A payoff was requested Monday, XXXX XXXX and the turn around was 5 days or XXXX, 2016. In our follow up they moved the completion deadline to Monday, XXXX XXXX, 2016 and CIT Bank set another deadline to Tuesday, XXXX XXXX, 2016. During our follow up yesterday, XXXX XXXX XXXX, 2016 they said they could n't provide a payoff because the loan number was incomplete. We compared our request to the loan number on an old statement and the loan number used to initiate the short sale and they all match. We have made several phone calls and have been transferred multiple times and we have no cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The debt that US AUTO is claiming that is owed is not valid and US AUTO has admitted in writing that they did not follow Georgia code O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency. In accordance with Georgia law it was the responsibility of US AUTO to send two letters of notification. The first letter that they have admitted in writing they did not send was a letter of accounting. This letter would have been sent to XXXX XXXX XXXX XXXX which was the updated address given to them in the bankruptcy. It was their responsibility to send a new statement with the balance owed and amount needed to keep the vehicle. They did not send that. It was also their responsibility to send a letter of intent to sale 10 days after taking possession of the vehicle. US AUTO has admitted in their own words they did not send anything until XX/XX/XXXX. This far exceeds the 10 days that state law allows. I am attaching a copy of the letter received by US AUTO admitting that did not send any notifications to me letting me know the balance and they did not follow the law when it comes to repossession. By law they had 10 days after they took possession of the vehicle in XXXX to send a intent to sale letter. Just because they claim they sent a letter for a prior repossession does not qualify s proper notice. Once they vehicle was repossessed again in XXXX they had 10 days to notify of the their intent to sale. They did not do this and because they did not follow state law this debt is not valid. Because the repossession was not lawful. Below is a copy of the state code they are violating. O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Continental Finance Company, LLC
State: IN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.

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 2016-04-18
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I took out a loan with XXXX it was a HUD loan. It cost me {$35000.00} at closing and I was told that was the cost of buying the house at {$270000.00} because it was a XXXX loan. After almost 2 years fighting with the contractors due to bad quality of work, XXXX XXXX gave the contractor an additional {$5000.00} of my money, against my approval, to sign off the any waivers to complete the work. The work was never completed and warranty issue developed bad quality of work and no one came to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section XXXX : also states A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: MA
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 am currently going through the process for a Mortgage and my bank advised me there is an account reporting via the CRAs as in collection in the amount of {$7400.00} as of today. It is a JP Morgan Chase Credit Card Account. 

The Derogatory Trade line shows a 12 digit XXXX account number ( that's it ... .seems like it may be missing some numbers for a credit card. ) THE ACCOUNT NUMBER IS NOTED IN THE ATTACHMENT FROM THE CRA... 

I've called and tried to address this via the help number attached to the trade line, but I can not get through the system because it does not recognize my SSN as being attached to the account. I can't get through to a human on this line. 

I went through a successful bankruptcy and all my debts were erased in 2017. This should not be on my credit report as " in collections. '' Chase should have this bankruptcy on record for my other accounts. 

I need a letter from chase to me or my bank indicating the debt is not mine. Otherwise my mortgage will not be approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13
Company: Vermont Student Assistance Corporation
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan debt with Vermont Student Assistance Corporation ( VSAC ) and have been increasing my number of payments from monthly to weekly for several months as well as paying more than the monthly minimum payment. I worked with VSAC to set this up and they have allowed any extra payment over minimum per month to be applied to principal on my highest interest consolidated loan. This has been working very well and I am able to make more of an impact on paying the loans off. I received a call last week for a VSAC employee informing me I would no longer be able to do this because it puts an administrative burden on them to process payments this way ( ie, they do not want to process weekly payments instead of monthly with extra going to principal ) AND I would have to now make a phone call to them each month to have the extra applied to principal on the highest interest consolidated loan. I believe this goes against their stated policy that " You may prepay all or a portion of your loan ( s ) at any time, without penalty. '' Bottom line, by not being able to have weekly payments applied the way I have been, I believe they are preventing me from paying my loans faster.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03
Company: PENTAGON FEDERAL CREDIT UNION
State: NM
Product: Credit card
Issue: Credit determination

Complaint:
Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.

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 2022-03-23
Company: Time Investment Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and XXXX. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being XXXX  against based on the XXXXXXXX XXXX XXXX XXXX I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent dispute letters to  XXXX ,  XXXX   & E xperian in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX . Experian and  XXXX  has not responded on this dispute and it has been over 45 days.   XXXX   sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that   XXXX   feels that they can use a third party and not even be sure on the information they are reporting? It is not right and its unfair to m e.

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 2020-03-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a 2nd mortgage loan with CITI Mortgage ( acct : XXXX ). 
The account was PAID/CLOSED in XX/XX/XXXX and is so reflected in credit reports in XX/XX/XXXX, and XX/XX/XXXX. 
The lien was never released with the County. 
On XX/XX/XXXX, I requested for a release with the Citi Mortgage Lien release department, e-mail : XXXX ( this is the only way to contact them ) On XX/XX/XXXX I was requested by the Lien Release dept. to contact Citi Centralized Recovery Department at XXXX. This Department reassured me that the loan was PAID OFF AND CLOSED in XX/XX/XXXX. 
The account number for the account is : XXXX. 
Property address : XXXX XXXX XXXX, XXXX XXXX TX XXXX CITI Mortgage Centralized Recovery Dept. XXXX address : City Mortgage Inc.,  XXXX XXXX XXXX, XXXX, Missouri, XXXX fax no : 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 2022-03-23
Company: American Credit Acceptance, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, American Credit Acceptance, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX XXXX  # XXXX, {$960.00}, XXXX XXXX XXXX XXXX  # XXXX, {$1500.00}, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX {$1500.00}, XXXX XXXX XXXX XXXX # XXXX, {$140.00}, Has Violated my rights. 

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

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 2016-02-16
Company: Resurgent Capital Services L.P.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Repeated phone calls at all hours from XXXX, XXXX, NH. Company called LVNV Funding. Attempt to 'collect ' a debt closed in 1990.

Company response to consumer: Closed
Consumer complaint received 2016-05-21
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fortiva financial is claiming i owe them over {$500.00} i went for a consultant at XXXX but never had the XXXX. The total cost for this was over {$2000.00}. Fortiva understood and credited the account all but {$580.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-29
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: GA
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: Billing dispute for services

Complaint:
In XX/XX/2018 I applied for credit. This required that I unfreeze all three of credit bureaus. As the XXXX security data breach of XX/XX/2018 had affected my account. After hours of attempting to do this with all three. I was successful with Experian, unfreeze my report for a credit application. 
However, I was charged {$1.00} on XX/XX/18 and then {$21.00} around the XX/XX/XXXX and XX/XX/XXXX of every subsequent month for a service I did not intend to sign up for, did not want, had no use for, AND never used. 
Today I reached out to Experian. They canceled the service and refunded one month of fees, refusing anything more. They suggested I use my credit card company to dispute the other charges. I dont think its my credit card companys responsibility. They stole over {$300.00} from me. 
Consumers should not have to spend hours of their time to attempt to protect their personal information and credit. Especially when free credit monitoring was promised after XXXX is negligence. 
On a sidenote, I was never successful unfreezing my XX/XX/XXXX account. This is a scam. Yet another means of all 3 credit bureaus means of influencing your credit score, access to your report, and ability to borrow at reasonable rates. Its a shame.

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 2022-03-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, Has Violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Real Time Resolutions offered a settlement of {$10000.00} on a second mortgage and now they are backing down from their original offer. 
This home is in foreclosure and they are forcing me into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a private student loan that was sent to court in XXXX 2015. Per the court case, the loan was dismissed with prejudice by a judge in XXXX 2015 in my favor. The loan is still showing on my credit reports from all XXXX credit bureaus after sending disputes in per my attorneys request in 2015. This is preventing me from purchasing a home at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Credit Karma, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have been trying to get a job as a XXXX and I need a Credit Report. It keeps coming up with that my Information does not match my Social Security number. I went to the Social Security office and my info is correct but it needs to be correct at the service.

Company response to consumer: Closed with explanation