BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: HYUNDAI CAPITAL AMERICA
State: NM
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:
Brought car back to kia dealer on XXXX and the car sat at dealer for over XXXX XXXX months waiting for inspection. ( due to Covid i was told ) called Kia Mtr Fin and kept calling to find out the final balance to pay which was {$900.00} and it was paid in full.Kia contacted me finally XX/XX/2020 XXXX  months after calling the company XXXX times and told me that being i was late its considered A Charge off /paid in full.i asked why it was consider a charge off and there reply was thats company policy.i wanted the charge off removed off my credit reports so when i sent in the forms to credit Bureau it went from charge off to /paid i would like this to say paid as agreed. sincerly 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 2023-06-11
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Wrote a letter to Equifax XX/XX/XXXX to remove addresses that do not occupy. They wrote back asking my to verify my current address whic I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaints : 1 ) Loan Servicer Refuses to recognize and adjust the correct interest rate on the Loan.

2 ) Loan Servicer refuses to contact the Lien Holder to ask for temporary and or permanent forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute inquiry does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. 
XXXX XXXX XXXX XX/XX/2021 XXXX Experian feels there is a possibility this inquiry belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: LA
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 identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed these items on my credit report multiple times I have not received any verifying documentation from the XXXX credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately

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 2023-02-01
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I qualified for a Modification of my loan. I accepted the offer and signed and had the agreement notarized. I returned the documents before the deadline to accept. A condition of my modification was that I pay {$XXXX} down payment by XX/XX/XXXX. I was required to pay by certified funds and mail the funds to the XXXX. I was told that I could not pay over the phone or through a wire transfer from my bank. I sent a {$XXXX} XXXX funds check to the XXXX using XXXX XXXX  day delivery. It was received on XX/XX/XXXX at XXXX. I have the confirmation from XXXX. I was told that the XXXX was behind in processing the check and to give them a few days to have it applied to my account. I continued to call every other day to make sure the funds were received. I was then told that they could not be found and my modification would be cancelled because I did not pay. I sent in proof of the check and the XXXX confirmation. I was then told that the check was received but because I did not put my loan number on it that it was sent back to my bank. I asked for the address where it was sent and I was just told back to Bank XXXX XXXX but no address. I have been calling the XXXX about the check every day and I am told the same thing. It was not sent back to my address which was on the envelope return address. The cashiers check did not have an address for Bank XXXX XXXX. All the XXXX 's cashiering department will tell me is that it was sent to Bank XXXX XXXX but they don't have an address to give me. I have gone back to my bank and they tell me that they can't cancel a cashier check for XXXX  days. I don't know what to do. I don't want to lose the modification or my {$XXXX} and I can't get any information from the XXXX. I am asking for your 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 explanation
Consumer complaint received 2021-08-01
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
DIAZ & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. XXXX XXXX XXXX XXXX  was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: CA
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:
There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of XXXX  and XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
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 purchased a vehicle in XXXX of XXXX. Unfortunately Santander was the financing company at that time due to the pandemic and credit issues that the dealership used to finance the other half of my car I didnt pay up front. The interest rate I was given at the end not thinking it would EVER be so high was 24.9 % which was criminal! Within 5 months of obtaining this loan I was hospitalized with XXXX for a long time and tried communicating with them eventually reaching the CEO through XXXX and explaining my situation. I wasnt given any relief and the late fees stacked up. I was released from the hospital to find out my car had mechanical issues that cost half of what I owed on the car and the extended warranty I purchased was cancelled with no explanation. The repairs and payments due to insane late fees and interest rate were impossible to pay but I continued to try. Santander placed a {$0.00} XXXX XXXX payment late history and charge off as bad debt due to natural disaster on my credit report. However, they still have a lien on the title leaving me with a XXXX XXXX XXXX Im unable to sell or trade or even fix and huge loss of equity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo mortgage paused my mortgage payments without my consent and reported me to the credit bureaus. 

In XX/XX/XXXX, I called Wells Fargo mortgage customer services with a question on the property tax escrow in mind. I followed the automated prompt and chose the most appropriate option for my question, the I heard a prerecorded message saying I was enrolled in a 3-month forebearance program. I didnt know what a forebearance was so I hang up and called again. I got the same message so I gave up on calling. 

Months later, I realized the auto draft of my mortgage payments did not go through. This had never happened before since I had kept a balance of at least {$200000.00} in my bank account. I never paid attention to this draft since its been running smoothly for 6 years without any incidents. 

When I found out about it, I paid off the 2 missed payments. Later I decided its not worth the hassle, so I ended up paying off my mortgage. 

In XXXX I found out my credit score had dropped dramatically. I downloaded the report and saw that the two missed mortgage payments were the culprit. I started calling Wells Fargo mortgage. I called 4 times between XXXX and XXXX. I spoke to 5 departments and 8 representatives. 

The last two calls I was able to reach the executive office and they assigned a case manager. On my last call with the case manager she started lying to me about unable to reach me. I started telling her how many times Wells Fargo had lied to me about not knowing about the forebearance they put me on. 

This is not the first time that Wells Fargo had conned me. In the fraudulent case when Wells Fargo pressed their employees to steal identifies and open accounts for phantom customers, I was one of the victims. I never set foot in any Wells Fargo bank but was informed that they had an account in my name. I was then compensated a little money to close this account. 

So this case manager stated that they had never put me on a forebearance plan. Which they did and that caused the two payments not being able to go through. But they not only denied that but also reported the missed payments to credit bureaus and hurt my scores. 

I started researching if this is a common practice and found there are many other victims who have been suffering from the same problem Wells Fargo caused. Here are some links to class law suits : XXXX XXXX XXXXXXXX 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 2023-01-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I went to the XXXX dealership and applied for a car loan and they said they were only going to do XXXX however it was 8 more unauthorized hard inquiries ( 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in full by the due date of XX/XX/XXXXXXXX  and I was still charged interest on my credit card in the amount of {$38.00}. In my many years of having several different credit cards, I have never had a situation like this where I paid the balance in full by the due date and then I was charged interest. Every time I have paid my balance in full by the due date, I was never charged interest. This is disappointing. I called on XX/XX/XXXX to speak with customer service to get the interest charged removed and I was told they couldn't waive the fee because it was valid. I have had this credit card for such a long time and always paid on time and never had any issues until now. The customer service representative couldn't even give me a concrete answer as to why I was charged interest even though the balance was paid in FULL by the DUE DATE.

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 monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: IL
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 Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX XXXXXXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME XXXX XXXX Account # : XXXX ACCOUNT NAME : 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 2022-03-09
Company: Sunbit, Inc.
State: IL
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 have been in contact with SUNBIT since XXXX 2022 in regards to two accounts showing on my credit report. I have tried disputing this with them directly to get it removed pursuant 15 USC 1681b ( a ) ( 2 ). There is no law that states SUNBIT is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give SUNBIT or its affiliates written permission to furnish a consumer report. These accounts have put a negative look on my credit report and is affecting my reputation as a federally protected consumer.

Additionally, 15 USC 1681 ( 602 ) of the FCRA states, " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. SUBITS 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). In order for SUNBIT to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was notified of a new item reflecting on my credit report by XXXX credit reporting agency. When I logged into review I saw that Capital One my auto loan was reporting incorrect information. 
I filed XXXX XXXX last year however the auto loan was not included with that and Capital One reaffirmed my loan. 
On the credit report they are showing this included in the XXXX and are reflecting no payments of any sort on my account. I have contacted my attorney and I was informed and verified this was reaffirmed. 
XX/XX/XXXX I filed a dispute through XXXX stating the information reporting was incorrect. XXXX notified me the same day that the dispute was resolved. I again filed a dispute for the XXXX time on XX/XX/XXXX stating the balance, payment and reporting this as included in XXXX was incorrect. XX/XX/XXXX they completed the dispute again nothing updated by my lender still stating included in XXXX  XXXX but now with a balance and no payment. 
I called Capital One XX/XX/08 and spoke to lady we will call ID XXXX was not able to understand her name after asking for her to slow down a couple times. Anyway, I asked to speak to someone about the account not reporting correctly. I was told she can not help me with that i have to do this in writing or by fax. I asked again for her to explain why and she stated that department will assist in Bankruptcy questions. As I explained my account was reaffirmed she gave me the information to fax my concerns to. 
XX/XX/XXXX I faxed capital one a copy of the reaffirmation agreement, copy of my timely payments made all prior to due date, copy of email from my attorney to them regarding the affirmation as well as copy of the dispute findings. 

I was not contacted nor have I received any emails to my request. I am done trying to get them to respond and ignore my plea to correct this information error on my account i have in good standing is reporting correct. I also informed them i have not received any statements for that account and i asked to have them start to mail me copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of stalking and doxxing. 

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