BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: ENOVA INTERNATIONAL, 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: Account status incorrect

Complaint:
I recently applied for financing for a home, unfortunately because of the false delinquent reporting XXXX XXXX currently ) on my NC Financial account ( XXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company Net Credit for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been XXXX months and still the misreporting shows that Im late to my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I received an alert on my credit report of being past due 30 days with Chase auto finance for my XXXX lease payment. They told me my auto payment setting that have been in place for years were turned off. I was not notified of this by any of the contact information I provided to them. I asked Chase for evidence that they had told me my auto payment information had been deleted by them and they could not provide it. They said they have a call record but I did not talk to them on the phone. When asked for the recording or a transcript of the recording they refused. When I asked for proof of delivery of postal mail to me they refused. They would not provide me is any evidence I was told they turned off my payment settings so I did not discover late payment until it had already happened. I asked them to correct this and they said it's against the law to correct past reports. The refused to provide any explanation or evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, 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:
This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXX/XX/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 2022-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft. 

This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker. 

XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service. 

I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX  person, I believe that Fifth Third is engaged in elder abuse. 

I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again! 

Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third. 

After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
Company: Experian Information Solutions 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:
on XX/XX/2019 I sent in a request to Experian demanding that they show me proof of these account-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 2 XXXX XXXX accounts and XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, they have to either send me written verification of these accounts with my signature or remove these said accounts from my credit report. They have failed to do either. I then sent in a 2nd letter on XX/XX/2019, asking them to send me proof of these accounts, and they still have yet to send in written verification with my signature as per the FCRA. I am sending in another letter this Saturday, XX/XX/XXXX, to get the verification that they have failed to provide or have these accounts removed. Since they have not sent this proof as per the FCRA, I ask that they remove these accounts 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 explanation
Consumer complaint received 2019-09-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my XX/XX/XXXX ARM on XX/XX/XXXX because I understood the rate would reset for the first time on XX/XX/XXXX. When Mr. Cooper refunded the payoff overage, I found it short by more than {$550.00}. I determined that Mr. Cooper had reset the ARM interest rate on XX/XX/XXXX, despite Mr. Cooper 's continually stating in documents and phone calls that a ) the rate would reset on XX/XX/XXXX, and b ) since the payoff statement ran from XX/XX/XXXX-XX/XX/XXXX the reset rate was shown but would be adjusted to 2.5 % until XX/XX/XXXX. My wife and I have requested this interest error to be refunded in phone calls and emails. Mr. Cooper has denied my request and has failed to respond to my wife 's last email. 

1. Nationstar Mortgage llc d/b/aMr. Cooper took over loan servicing of my XX/XX/XXXX ARM in XX/XX/XXXX. Every statement issued by Mr. Cooper from XX/XX/XXXX through XX/XX/XXXX prominently stated my interest rate of 2.5 % until XX/XX/XXXX. However, Mr. Cooper changed my rate to 4.875 % on XX/XX/XXXX. The reset date is clearly XX/XX/XXXX, or alternatively, these are 16 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ). 
2. Mr. Cooper failed to issue a statement in XX/XX/XXXX with a payment due date of XX/XX/XXXX. Instead, Mr. Cooper sent a statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.41 ( 2 ) requiring monthly statements. 
3. Mr. Cooper failed to send an initial rate adjustment statement 210 days before either XX/XX/XXXX or XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.2 ( d ). 
4. Mr. Cooper 's statements of XX/XX/XXXX and XX/XX/XXXX state the interest rate of 4.879 % until XX/XX/XXXX. This again confirms theXX/XX/XXXX reset date was XX/XX/XXXX, or alternatively, are another 2 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
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've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. 
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 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 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 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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

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 2021-08-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I applied for and was approved for the Citi XXXX XXXX XXXX XXXX MasterCard credit card. The promotion was XXXX bonus miles after spending {$5000.00} in the first three months. 

On XX/XX/2021, I noticed they were advertising a promotion for the same credit card that also included XXXX bonus XXXX XXXX Elite Qualifying Miles after spending {$5000.00} in the first three months. 

On XX/XX/2021, I called Citi to ask if I could take advantage of the new promotion as I had not even received the new credit card in the mail, and they informed me that it was for new applicants only therefore I did not qualify for the promotion. 

Citi informed me that there was a process in place to prevent me from being able to take advantage of the current promotion even though I did not have possession of the card I applied for and was approved for on XX/XX/2021.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and ss #

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 2023-08-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1900.00}

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 2023-06-16
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company name is Cashcall , Inc who is client of XXXX XXXX, XXXX who client of XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. I had a judgment placed on my bank account by XXXX XXXX XXXX for a loan in year XXXX. Cashcall has major lawsuits for bad loan practices where they had an injunction to not pursue their clients due to high interest rates. The loan I obtained in XXXX  was for {$2600.00} currently they want me to repay {$8400.00} which per injunction this is illegal. They have the offices stated above that took all my money through a levi on my account. Injunction from Superior Court of California case # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
On XX/XX/2021, I disputed Exeter Finance LLC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed Exeter Finance LLC as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and oXXXX XXXX, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, Exeter Finance LLC account is still being furnished on my consumer reports via XXXX, Exeter, and XXXX. I, XXXX XXXX XXXX, never gave Exeter Finance LLC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation