BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
when i first had my social security card in 2019, around XXXX, i didnt know much about it since i just got into america XXXX i was in a room with few people living together so i really didnt think much of it that it was something people use to steal victims identity. i opened a bank account and applied a job. i never used my social again until few days later i decided to open a new bank account and they requested for the hard copy which i realize my social security card was stolen from my small bag that i keep some vital documents. i went to the social security office to get a new one and then went to the XXXX police station to file a report. so all the XXXX XXXX my account isnt mine except which XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage charged me {$170.00} for an appraisal fee because I requested a loan modification. I understand that an appraisal is only REQUIRED when attempting sale. The investor can opt to have an appraisal done but it has no bearing on a loan modification and it should not be charged to me and I should not be responsible to pay for it. I was approved for the modification but declined it. I have requested this fee be removed from my account each month for the last 4 months. I have written several times to loan servicing. I have spoken to XXXX XXXX, Account Representative, who has lied to me each time by informing me that the fee was removed and will appear as a credit on the next statement. This fee remains on my statement and no credit has been applied to my account. See my current XX/XX/XXXX statement attached. I called Shellpoint again today, XX/XX/XXXX, XXXX XXXX PST and the representative that answered the phone researched my account and informed me that her supervisor said I need to request in writing to have this charged removed. I have already done that several times. This is the sub-standard, non-effective administration that I experience with this company on each and every issue, all the time, for the the entire time they have serviced my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a car through Hyundai and the lease was coming to maturity. Rather than turn my car in and re-lease another vehicle, which they kept endouraging me to do, I decided to purchase my vehicle. I arranged to purchase my car with financing through a local credit union, XXXX XXXX XXXX XXXX. We aranged the loan and they paid off Hyundai as they were supposed to within the specified time-frame. 

The loan has been paid off now for over a month, and although the XXXX received the Bill of Sale in a timely fashion, Hyundai has been impossible to work with otherwise. They have ignored our attempts to obtain a signed Applicatioin for Texas Title and/or Registration Form 130-u, which is a standard Texas Department of Motor Vehicles form , which is required for them to transfer title and perfect their lien. 

The XXXX loan processor has attempted to resolve this matter virtually on a daily basis for the last month to no avail. I joined him on a XXXX hour attempt to speak with a supervisor at Hyundai that could help us resolve this and the only committment that we could get was they would pass the form along to the proper group. Neither he in all of his attempts, nor the XXXX of us together were ever able to speak to someone who understood the need for the form in Texas or that would commit to resolving our issue. As a result, not only is the title still not corrctly set but I am going to be the subject of fines by the Texas Department of Motor Vehicles as a result, which could end up being several hundred dollars.

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 2023-02-01
Company: Lac Courte Oreilles Financial Services II
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I took out a personal line of credit on XX/XX/2023 for medical purposes. Loan number XXXX This was with a tribal company Opichi Funds LLC po box XXXX XXXXXXXX XXXX XXXXXXXX. The amount was {$3000.00}. It was my understanding the interest was {$300.00} a month because that is what the first bill stated due on XX/XX/2023. I am not working due to hospitalization but knew I could get help to pay that monthly. I have now received a bill for {$3800.00} due on XX/XX/XXXX. I contacted them today because I took out he line of credit for medical purposes and am currently undergoing treatments and have the medical documentation as evidence. I had no idea the interest was 338.75 % which is what I am now being told. I asked if I could stop the interest and would attempt to pay {$300.00} a month for XXXX months to pay the original amount plus the {$300.00}. I was told they could do nothing and would not work with me. Please help me resolve this. I contacted an attorney and was told let them take me to court because it would be thrown out in the State of Tennessee and he would represent me. My other option is to include it in a bankruptcy. I would like to attempt to work something out with them but they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-16
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2021-03-05
Company: AES/PHEAA
State: PA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violate my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On several occasions now I have had holds placed on my mobile deposits that have lasted on average 5 days. The account was opened using a check from this same business. It's an property investment company that is incredibly successful, the account holder has a net value of XXXX XXXX plus. I've complained everything, being told that it's the computer, they have no control over it. On another occasion I reached out on XXXX and oddly and a bit scary, my.phone rang within a minute of my tweet. The social media outreach team member was incrediy aggressive and rude, told me that he wasn't allowed to tell me but it looks like there maybe insufficient funds to cover the check. What he failed to realize is that I had gone to the check writer and told them there's a hold. They pulled up their banking app on their cell phone and I saw an amount that made my eyes pop out. But then he scrolls and shows me the line item of where ,2 days prior Bank Of America had deducted the money. So this guy I'm on the phone with is lying to me, they already deducted my {$8000.00} from his account days prior and he is slow playing me. A other time still, they just tell me that the amount was too high and they needed to hold to make sure it was real. That the institution that the check came from was not reputable and they neexed ti make sure it was above board.Now there's a missing XXXX refund. I should add a critical piece of Info. In all instances of bank of America putting holds that lasted days, even the one with a less than reputable bank on the other end, the bank that the check was written off of was no e other than Bank of America. From an account that was opened at the same branch I opened mine at just 35 years before me. If I walk into the bank, after waiting an hour to stand in a line to talk to a single teller, I can present an in house check and know it hS sufficient funds in under a minute. This is just a deceptive business practices they can use my money for days at a time. It's cost me work, credibility and a real toll on my mental health

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 2023-06-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It is my understanding that an extended ( seven year ) fraud alert is in place with XXXX on my credit report. It is also my understanding that Equifax does not have an extended alert in place. 

I spoke with representatives of XXXX ( XXXX, XXXX ) and Equifax ( XXXX ) today. Equifax requested that I supply it with documentation before I may receive the extended alert. However, that should not be necessary in light of the seven year alert with XXXX. 

The FTC website addresses the extended fraud alert. The site states in part : How to place : Contact any one of the three credit bureaus Equifax, XXXX, and XXXX. You dont have to contact all three. The credit bureau you contact must tell the other two to place an extended fraud alert on your credit report. https : //consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts Per the FTC guidance cited above, Equifax should immediately comply with its obligation to place an extended, seven year fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRUIST FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report

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 2021-03-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/VCTRSSEC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the XXXXXXXX XXXX are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. XXXX for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these XXXXXXXX XXXX are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these XXXXXXXX XXXX  transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been harassing me for months. I repeatedly tell them I am not familiar with a XXXX XXXX account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with Portfolio Recovery and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CRB Auto recently changed to Mechanics Bank, and now their website doesn't work. My car payment is due in 4 days and I've never had a problem paying my bill. Today I tried to log in but got an error message saying my user name or password was incorrect. I clicked on the " forgot password '' button and it said to enter my user name and a temporary password would be emailed. I entered my user name and it said there is no account with that user name. I clicked on " forgot user name '' and it said an email would be sent to the email address on file, but I never received an email. 
I have never had a problem paying my bill while it was CRB Auto. Mechanics Bank must have done something because now I can't pay my bill. Not sure what to do. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I made my monthly payment to my Bank of America XXXX loan. When I got the load through them I registered a online account with them. When you do this you add you bank information ( checking ) that I would be using to make the payments. 

I made several payments through the system. Its important to know that when you register the account you do not have to re-enter your banking information again as the system has it on file ( banking information which you are making the payments ). 

I when into the online account on XX/XX/2020 and made my monthly payment as usual and took a photo of the confirmation number as I always do. I have photo and date of photo as proof. 

In XXXX I received a late payment notice on my credit report. I called BOA ( Bank Of America ) and the customer service rep told me that they did not know why the payment did not go through. But because of the issue of the conformation number the system does not recognize the payment was not made and BOA does not call as a reminder of a payment not being made in time. The customer service rep said I probably did not have sufficient funds in bank account to make payment. 

I have a photo of my bank statement from XXXX that I had a balance of {$15000.00} at the time of making the payment. 

I think it is not my fault and I did make the payment in good faith and it was BOAs system that had a failure and I would like to have the late payment removed from my Credit Report if only fair and just.

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 2023-02-23
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Wolf River Development Company
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Company charges excessive interest which should be illegal. While I paid off the loan at a significant savings and early, the original contract amount with interest was XXXX payments of {$530.00} a month and only {$50.00} a month going to principal. This is outrageous and predatory. 

The company did discount my payoff after lying to me saying they had removed my ACH information when they had not. I had requested this in writing twice, and confirmed on a recorded phone call by the company that the rep had converted my account to ACH revoked, the rep said yes she had. The next day I logged into their website and found my checking info along with my payment date and info. The rep had not removed the ACH info after I had revoked it repeatedly. Company is predatory and hides behind tribal law to get away with their actions. Unethical and Immoral.

Company response to consumer: Closed with explanation