BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
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:
Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The XXXX repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2021-01-15
Company: Experian Information Solutions Inc.
State: CT
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:
Hi Experian / XXXX  / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the Regional Manager XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now!

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from Experian and XXXX. Thank you and happy new year

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 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX ( XXXX ), has violated 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 that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX  due to my 100 % XXXX VA rating in XXXX and XXXX of 2020

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 2019-07-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This specific one involves OneMainFinancial. I unfortunately lost my job XX/XX/17 after XXXXyrs. I carried the insurance to cover all possible if anything likeso or else happened to hinder me from paying my bill. Prior to this, never late being automatically withdrawn from my account. When this happened and no income, all paperwork for this was taken to the office here making them aware as well as no unemployment etc. I am now getting a notice from XXXX and XXXX, XXXX in attempt to collect this debt in the amount of {$6500.00}! In no way do I feel this is appropriately taken care of nor does it need to be appearing on my credit report as for against me as well. This has been a tremendously challenging event for my family and I to say the least. My health has been the main reason for landing me to not being able to work. If a way of so and to pay my bills as I have my entire working life, by all means I would be. The unfortunate thing that I never thought would happen did though. Thinking of that insurance always making sure if having would be there surely obviously not. I would greatly appreciate the help if anything in any way with this matter. Thx in advance for the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: FL
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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Closed. {$770.00} written off. 

Account Name XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$760.00} written off. {$530.00} past due as of XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Status Paid, Closed. {$660.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$640.00} written off. 

Account Name XXXX  Account Number XXXX Status CLOSED  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 an account without my written instructions 15 U.S C 1681C ( A ) ( 5 ) SECTION STATES No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-06
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The Vehicle was repo in XXXX Santander Consumer applied the repo fees and it increased the loan and the loan is almost XXXX for a XXXX car the representatives wont work weith m, e each time its someone bto threaten me about repo again and I also to make lower payments every week and it will be credited to my account as a note but thsat wont work either how to work with an company that wont give you a chance at all hardship fall upon some of us but i willing to try and make payments every week to get account caught up but the company wont work with you.what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
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: 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is in accurate.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
There are several items on my credit report that say no status. When I called into the credit reporting company Experian, the gentleman was extremely rude and told me that the one from XXXX XXXX XXXX was a charge off. I told him I had no idea what he was talking about and he said he was going to update it to say it was a charge off. They refuse to allow me to dispute it and dont send me any proof of what it is.

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 2022-04-28
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have private loans with Navient ( XXXX XXXX ). I 'm a XXXX, XXXX with medical issues, working part time as a XXXX, not what I went to school for!!! I have been making payments or been in some type program that " offers lowered payments '', and they automatically take money out of my account ( BIGGEST MISTAKE EVER ), payments were taken out that I did n't authorize. So I then had to open a new account and got behind on payments. The phone started ringing off the hook, they started at XXXX every morning and continued till XXXX. They called and harassed my co signers at home and their place of employment after being told not to call them there also called relatives. I would call and pay what I could but it was n't good enough, each time I spoke with them I was harassed and/or threatened to the point where I live in fear that I have to pay them and not feed my XXXX year old son. I ca n't live like this any longer. Today they called and told me I have to pay them {$59000.00}, or it gets turned into an attorney. I 'm not sure what to do now? Where do I get help? I do n't have that kind of money laying around, and I have no clue how my loans are so much!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
( FCRA ) 15 USC 1681 b This section of the law/ Permissible Purposes. It has come to my attention, that you are reporting unauthorize inquiries with your company, to the consumer report. You have reported inquiries on these days between the consumer, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. And according to " FCRA '' 15 U.S.C 1681b intends to use the information for employment purposes ; or The Term " employment '' when used in connection with a consumer report means a report used for the of equating a consumer for employment, promotion, reassignment or retention as an employee.

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 2023-07-04
Company: MoneyLion Inc.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
moneylion has been taking out money from my account after I notified them on XXXX, 2023 after waiting an hour and XXXX minutes to speak to someone I informed them that they had misled me by taking money out of my account since XX/XX/XXXX and every month thereafter totaling XXXX per month for a monthly subscription for XXXX and some CREDIT BUILDER/credit reserve loan I never received ANY LOAN and I was told XXXX on XX/XX/XXXX that I was entitled to many perks because I paid for a monthly subscription, however they said they couldn't identify me and had no way to change that. I called back the next day XX/XX/XXXX and waited on hold XXXX hour to speak to someone named XXXX I informed him that I wanted my money back and that I was paying for a monthly membership and was not receiving and services and if they couldn't identify me how could they identify my checking account at XXXX XXXX to help themselves to my money, that told me that when the supposedly credit builder was a certain level that they couldn't identify me to give me my money??? the funny thing was XXXX informed me that you didn't have to have a membership to receive all of the perks anyway, therefore I demanded that moneylion return my credit builder/reserve to my account and do not take any more money out of my XXXX XXXX  account, and now on XX/XX/XXXX they have deducted more money without authorization. today the total is XXXX plus XXXX in NSF fees and I want my money back in my XXXX XXXX account ASAP this is a very deceptive company

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 2021-05-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage is with Rushmore Loan Management Services. It is a FHA loan. I was in the care act program with several months of Forbearance. I was told by Rushmore that the forbearance payments will be " floating '' or " silent '' which they explained will be added to the end of the loan which gets repaid when the home is sold or refinanced. 

I got out of forbearance and started making payments. My lender mentioned to me that with the increase of value of my home, that I made over 3 payments after forbearance ended, and with low interest rates, I can refinance to a conventional loan resulting in much lower and affordable payments. I submitted the application, got approved, and was going to close on the loan BUT information for the closing was withheld and did not get sent to the lender for over 60 days. Now I find out that there is a 2nd lien for the forbearance which was not part of the deal. There was never documentation or approvals for this 2nd lien. The largest issue right now is that my lender is being told by XXXX, HUD, that I can only refinance to another FHA loan and must have mortgage insurance. This was never part of the deal, never a requirement, and I believe is violating federal law. The forbearance amount is around {$15000.00} and there is no reason to require this. Its not in the care act and is very unusual. 

During a pandemic XXXX HUD, and FHA should not be forcing people into higher payments when lenders are willing to give a fair loan which would greatly help families and home owners. I have a lender who approved me for a conventional loan which would reduce my monthly payment $ XXXX. XXXX and HUD need to only care about being repaid. They have no business preventing me to refinance to a better loan program!

Company response to consumer: Closed with explanation