BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have 2 parcels of property located in XXXX county, ohio. XXXX XXXX XXXX XXXX, ohio XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, Oh XXXX ( XXXX ) they are beside eachother. 
Our physical house is located on XXXX but our address is XXXX. The bank knew the builder put it on the wrong parcel and corrected our taxes back in XX/XX/XXXX. Our original lender was XXXX XXXX XXXX. We paid our taxes accordingly. 
Then the auditors office sent us a tax bill saying we were deliquent concerning our taxes, which we were not! They assessed us for over {$10000.00} in back taxes, and instead of contacting us concerning this matter, Huntington Bank ( whom aquired XXXX XXXX in XX/XX/XXXX) went ahead without contacting us via mail or by phone, and gave them the money and then jacked up our payment to XXXX per month! On a trailer! 
We have proof of our payments tax wise and we were angry at Huntington, especially after we froze our escrow acct. in XX/XX/XXXX, that they would not hear that we were current on our taxes and we didn't owe this to the county. 
Repeatedly, we have tried to contact them ( Huntington Bank ) and they've given us nothing but a run-around by switching us back and forth between different departments. We are now in a hurt locker because we own a small business and our customers are slow paying. 
Huntington had no right doing what they did due to the auditors office mistake and we want our money back and are willing to go to court over it but are financially strapped due to their negligence! 
Our loan number is XXXX. 
There was CLEARLY, COLLUSION BETWEEN THE AUDITORS OFFCE AND HUNTINGTON BANK TO AFFIX AN AMOUNT OWED WITHOUT ANY DOCUMENTATION WHAT-SO-EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Innovis
State: GA
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:
To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 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 2018-02-12
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 non-monetary relief
Consumer complaint received 2022-03-07
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are looking at buying a home in North Carolina and our real estate broker recommended we be pre-approved. We secured a pre-approval with XXXX, with which we have XXXX year history with and it included running our credit report. We asked for an appointment with a builder in NC called XXXX XXXX. Their salesperson XXXX XXXX required us to use their mortgage company, MTH and emailed a link. She stated in an email that we would be REQUIRED to be approved by their mortgage company before going under contract. My wife and I have over XXXX credit scores and a long history of loans and deposits with XXXX and do not want to be forced to use a builder 's mortgage company. I have an email chain documenting the demand from the builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My venture card from Capital One was charged an annual feed of {$95.00} on XX/XX/XXXX. I called Capital One to cancel the card on XX/XX/XXXX and was told by the representative that the {$95.00} fee will be reversed to my account in two weeks. Also she recommended me to change to quick silver card which doesn't have an annual fee. On XX/XX/XXXX, the {$95.00} fee has not be reversed yet. When I called Capital One again, I was told the {$95.00} fee won't be reversed to my card. I am requesting an investigation to listen to the recorded conversation on XX/XX/XXXX and refund the {$95.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 non-monetary relief
Consumer complaint received 2023-05-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am XXXX XXXX  - I am unable to access telephone customer service. Credit card companies ( and other companies ) email me regularly from no-reply addresses and often their accessible options only include phone contact. Please consider XXXX people and have banking services have alternate access ( apparently accessibility is only meant to help with blindness according the customer service representatives I have connected with )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-02-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Just over a year ago, I have leased a XXXX XXXX XXXX vehicle from Hyundai Motors. They recommended that I use one the insurances that works with them so I chose to do that. I placed {$2400.00} for down payment to start the lease. After that, I had the vehicle for just 3 weeks, an accident happened and the car became a total damage, a total loss. I have talked to the insurance and they paid for everything to Hyundai Motor Finance, every single penny. Even after that, Hyundai has been charging me every month as if I still had the vehicle with me like if the accident never happened. So I kept calling and calling and they finally answered and they told me that account will be closed for good and this was 2 months after the accident. So the account shouldn't go back to my credit saying that I owe {$500.00} and that I'm missing a couple payments. That dropped and ruined my credit so much because I always pay on time for everything!

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/ and I have not received any correspondence back from XXXX XXXX  This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.

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 2023-07-01
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-04-16
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet or it sister company have not been truthful about my interest rate or ability to qualify for the public service loan program over the years when I was denied. They have also been devious in terms of switching my loan between their two companies in order to make repayment more difficult by changing the manner in which the funds are applied to the loans. 

When Nelnet sent me documentation, they admitted they have been charging me at a rate of 6.13 % instead of the actual rate which was 5.875. 

When my payments began I had already deferred my loans for approximately five years while working in a XXXX XXXX because I could not afford to pay them, and I was told I did not qualify for the program. Great Lakes accepted my loans when I was on XXXX XXXX XXXX in XXXX. At all times from the day I began paying Great Lakes until XX/XX/19 I was employed at either a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and/or by the United States XXXX. I was denied on several occasions the ability to qualify for the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent out a letter to remove XXXX XXXX Acct # XXXX for the amount of {$1200.00} from my report. I Asked them to validate the debt. Not only did they fail to provide what was being asked of them, they also violated Hippa Laws by providing medical services rendered. They didn't provide my signature attaching me to this debt, but my credit report is being affected. They are also violating my consumer rights and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer agency can not furnish an account without my written consent.

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 2021-04-07
Company: Bridgecrest Acceptance Corporation
State: AL
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:
Disputed information in XXXX and again in 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 2023-03-06
Company: Self Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act, this creditor has violated my rights. 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Late Payment Verification Dispute Dear [ Experian, XXXX ], I hope this letter finds you well. I am writing to dispute a late payment entry on my credit report associated with your company, XXXX XXXX XXXX XXXX XXXX XXXX ]. After reviewing my credit report, I noticed 4 late payment notation for the account [ XXXX ] I believe there may be an error in the reporting of this late payment, as I have always been diligent about making timely payments. To address this matter, I kindly request that you provide verification of the late payment, including but not limited to : 1. Date and amount of the alleged late payment.

2. Proof that the payment was indeed late.

3. Any communication sent to me regarding the late payment.

4. Method of verification used to verify account I understand that accurate reporting is crucial, and I am confident that this matter can be resolved promptly. Please investigate this dispute and provide me with a written response within 30 days, as stipulated by the Fair Credit Reporting Act.

If, after your investigation, it is determined that the late payment entry is inaccurate, or you can not provide the requested information I request that you promptly update the information with all major credit reporting agencies. Your cooperation in resolving this matter is greatly appreciated. 

Thank you for your attention to this dispute. I look forward to a timely resolution. 

Sincerely, [ 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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