BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: ONEMAIN FINANCE CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Overtime I received invitations from OneMain Financial to apply for a loan. Many communications have stated that I was prequalified. On XX/XX/2020 I applied online for a loan with OneMain Financial and received an email stating that I was approved, based on verification of my identity, address, and monthly income. I verified this information online and over the phone with a local representative. I also provided a copy of my drivers license showing the photo as requested. After several phone calls with the local representative I was told they could not provide me with the loan because of my financial situation. During the calls, the rep asked what I needed the money for and I explained that I was pregnant, due to give birth in a few days, and wanted to pay down some credit cards. This is when I was told they could not provide me with the loan. To date I have not received a notice stating the reasons I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX has made an incorrect item report on my credit report. I was not an authorized user on the account as XXXX credit was sold to XXXX XXXX. There is no contact at synchrony any longer to have this issue taken care of in regards to a XXXX credit card. As I call XXXX XXXX there is no evidence as me being an authorized user on the XXXX credit card. They are unable to remove the item from my credit report. I made a dispute on my equifax.com in XXXX and it is still pending. I need some direction as to how to get this taken care of and cleaned up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
So XXXX XXXX XXXX XXXX is reporting negatively on my credit report. Got in contact with Equifax and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 they finally responded on XXXX/XXXX/16 stating that they need a few more days. Today XXXX/XXXX/16 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per XXXX. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. 

My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been constantly dealing with my mortgage company on a misapplied payment that took place in XX/XX/XXXX. Needless to say I have been calling constantly, and have been passed off to several departments and individuals. Each time I finally get an individual, they promise they will follow my issue to resolution. Needless to say, this has not happen, being the last and most current person I started communicatimg with in late XX/XX/XXXX. Still no resolution! 
During the time since XXXX working on a misapplied payment, they verbally admitted to me that my Homeowners Insurance was cancelled in error by the company. This was confirmed from the agent I'm working with now. He admitted to this error after listening to recorded telephone calls. He assured me he would resolve this issue, along with the missing payments. 
I have received numerous promises for call backs, even given specific dates and times he would call. Last promise date was last week, my last call was Friday XX/XX/XXXX, the CS agent stated she would contact him my email for a return call to me since he was put of the office, again no call back to date. In addition, I have sent WQR, and the have not received responses as back to me legal time frame. Please assist me in getting these issues resolved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my Wells Fargo bank after leaving Wells Fargo XX/XX/XXXX. I received at Collection notice XX/XX/XXXX for an account I went in the bank to close. I closed this account due to XXXX XXXX Missouri only having one Wells Fargo Branch Available. The only branch I would no longer have access to since it is located in the Wells Fargo Campus Building. I do not understand these charges and have since reached out to them with no help or answer insight. I find it troubling that this account was still open but no statement were sent to me. But the collection company has my address correct being Wells Fargo gave it to them.

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 2022-07-07
Company: EQUIFAX, INC.
State: VA
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:
Equifax has an online dispute resolution center where users can dispute fraudulent information on their credit reports. I used this tool to submit a dispute for a fraudulent account that was opened in my name in XXXX of 2022. I attached a police report to this tool that clearly spells out : XXXX the same account number as was used on my account XXXX the crime and arrest of identity fraud XXXX the account balance that matches the amount on the account as shown on my credit report Despite sending all of this information over, Equifax replied and stated that their investigation concluded this account was indeed mine, and not a fraudulently opened account. 

I called in to check as to why the account was not removed. The associate over the phone let me know that when a dispute is filed online, their process is to NOT look at any attached documentation to the dispute ( which the online tool does ask for ), and instead just reach out to the creditor associated to the account that is disputed as fraudulent. So, Equifax did not even use the police report i filed in their dispute resolution process. 

I was then notified that if i wanted to have my police report considered, i would need to mail it into Equifax and supply a letter to their mailing address. I asked the associate over the phone why they ( the associate ) couldn't just forward the document that they could see on my dispute form to the proper department or resolve the issue themselves, since they did verify they could see the police report and the information on it. They said they had no process for an internal transfer of documents/they could not help, and my only way to have this resolved was to mail the documents in myself. 

This process is time wasting, confusing, and potentially dangerous to consumers. due to this process, some consumers may file a fraud report online and believe they have no additional recourse if Equifax deems the account to be legitimate. Equifax is not fulfilling their duty to remove fraudulent claims as a credit bureau by forgoing the review of documents supplied by victims of identity fraud. Also, its concerning that one of the major credit bureaus is unable to have agents process dispute claims while having information in front of them or forward documents to the necessary party to process the claim. Not to mention the waste of unnecessary paper and money by forcing consumers to mail in a physical copy of a police report and pay for postage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive recently gone into a Chase banking center in XXXX, GA to begin applying for a HELOC. They told me they are not accepting/processing HELOCs. It is a product they are currently not offering. 

This information is also available on their website : XXXX XXXX XXXX According to the Federal Reserve , this is unheard of. The Fed is saying there is no concern for regulated banks to provide secured loans at this time, especially HELOCs which is backed by the amount of equity in the property. 

Being the largest bank in the US why is Chase taking this stance and is it legal. The Federal Reserve is unaware of any bank taking this action, especially Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a derogatory remark on my credit from Bank of America, which states that I have a delinquent account with them even though the account was paid in full as of XX/XX/2019.

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 2019-11-26
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express has allowed numerous fraudulent accounts to be established in my name. I have already advised American Express these were fraudulent accounts as a result of identity theft. American Express is already aware I am a victim of identity theft since a previous application for an Everyday Card was already reported as identity theft. Yet they closed that account but the following accounts were established using the email address that was found on the dark web from XXXX being sold by identity thieves, I have already notified American Express of this information and they laughed it off. Their Fraud Department tried to say they deny the claim because payments were made to the Gold card USING A FRAUDULENT bank account which I had XXXX XXXX close due to unauthorized transactions, and XXXX XXXX also reversed all the payments made to these accounts to American Express as fraudulent unauthorized transactions. I did not authorize any of these accounts to be established using XXXX, I did not receive these cards and my mail had been forwarded to a fraudulent address. American Express has not sent me any documentation on these accounts, nor cards for these accounts yet they continually keep establishing the gold card and the other accounts. XXXX <- Fraud. Identity theft. These accounts were applied for ONLINE. American Express did not call me to clear my Extended Fraud Alerts, In fact XXXX blocked the American Express inquiries as soon as they showed up, and they continually block subsequent inquiries. Additionally, all of these American Express Accounts were blocked with all 4 Credit Bureaus. XXXX, XXXX, XXXX, XXXX. They were all notified these American Express accounts were opened as the result of identity theft. Yet American Express when speaking to their fraud department told me they don't care because they see a verified fraud payment to the account. Which XXXX XXXX revoked and re took back. Yet American Express still says it's verified. They do not want to follow the law and do not assist with identity theft victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a dispute with all 3 credit bureaus as of XX/XX/2018. I  also requested proper verification of this account. From the documents MCM has sent, I do not recognize these accounts whatsoever. They have failed to send proper verification which includes a actual contract that it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: ALLY FINANCIAL INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a bank transfer for {$7300.00} from Ally bank and I had given a check for that amount but the transfer didn't come in time of the check being cashed so It ended up being a return of posted check. XXXX XXXX XXXXXXXX Stated that they do not have any of the funds and it was cancelled out. Ally bank is stating there are two ACH withdrawal from XXXX  XXXX XXXX but on my XXXX  XXXX XXXX statement there are not two withdrawal from me. This collection will go on my credit and will effect me.this is a mess up on Ally bank and XXXX XXXX XXXXXXXX not me. Ally is not working with XXXX XXXX XXXXXXXX to resolve this issue. Which is not my fault that someone one on either side messed up not me. This has stressed me out to the max, I've been having XXXX  and I already suffering with XXXX  this has elevated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. 

The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. 

Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. 

In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? 

Thanks in advance. 
-- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. 
They can not continue to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: General Motors Financial Company, Inc.
State: NC
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 paid my lease off and was told that I would receive an invoice for going over on mileage or any repairs. Once I received that invoice, I paid it within the following week. I then noticed that the last payment was reported to my credit as a late payment. I have reached out to the many times now and they have confirmed that it was never late and that the late payment would be removed. They then would send me a letter stating that it was never late. That was XXXX and I have reached out to them multiple times to let them know that it was still there and they have done nothing. Now today, I was told that GM Financial has advised the bureaus not to accept the letter that THEY sent me stating that I have never had a late payment on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: NCP Holdings, L.P.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied for this loan through quick credit on XX/XX/22 When I applied the website was messed up not allowing me to pick the proper pay days I proceeded because I thought it wouldnt be a problem to call and give them the accurate dates of my paydays since there sight was at fault and like every other loan company that does not have a problem with correcting that I called to tell them that their website was messed up and didnt allow me to pick the proper paydays so I can pay back the loan this company has charged me double interest and argued with me that they can not change my paydays to the right days of my payday I told them that if they didnt my account will be overdraft which they did do seven days after I had made an payment they took another payment they explained that they were not going to change my paydays to the right days and here is a copy and look at the interest this company does not want to work with me being unfair because they want to charge more interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank, let me get started extremely rude, lied about regulation e and told me it takes 14 business days on an account that is 7 months old, to investigate and process a credit for an atm they have already fixed and balanced. Then hung up on me. They still owe me XXXX dollars and some change. Awful bank closing all my accounts wouldnt recommend them. Biggest isnt the best

Company response to consumer: Closed with explanation