BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, XXXX 2023, I, " " paid in full a previous balance of {$590.00} directly to XXXX for the purpose of resolving a outstanding debt to XXXX and to have my credit report to reflect paid in full by debt collector Jefferson Capitol Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) ( XXXX ) XXXX I called Jefferson Capitol Systems directly to advise that my debt to XXXX was paid directly to XXXX. Jefferson Capitol Systems attempts to force me to pay the debt twice before correcting my credit report. 
Whereas XXXX was paid directly, Jefferson Capitol Systems is not entitled to a duplicate payment of {$590.00} resulting in combined payment of {$1100.00} for the single debt of {$590.00}. 

Jefferson Capitol Systems continue to refuse to update my credit report although the XXXX XXXX is paid in full and is verifiable through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my bank account. I changed the information in my auto draft. It didnt draft and I was hit with late fees. I called. They said on their end it didnt change but on my dashboard it said it did. Theres no way I couldve known it didnt change on their end. They refused to absolve me of the late fees. 

They claimed they changed it on their end and its still not working.

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 2017-01-13
Company: Performance Settlement, LLC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I signed a contract with a third party organization. I was told the company works with the US department of education in the Obama federal forgiveness program to consolidate my loans. I pay the company XXXX a month and the only two options to leave the contract is pay them the full XXXX or the continuous XXXX a month. I do n't know where the money is going. I do not believe it is going towards my federal student loans. I have {$44000.00} in subsidized and unsubsidized student loans. I am single, living on my own, working in a XXXX job and i am XXXX hours away from home without a car. Im a recent 2016 XX/XX/XXXX college graduate and im making it on my own. The company has my bank information and home address. If i leave the contract they will garnish my wages and seize my taxes if i do not communicate with them or pay them. Im fair and honest. They can have the previous payments but i do not want to give them any more money because i cant afford it and i am already going back to school this semester for more schooling. When i called my loan servicer i was told that my loans are at default {$0.00} and it has not been any payments made yet. I didnt set up a payment plan with my loan service neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports XXXX, XXXX, XXXX, and Experian. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EXPERIAN. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. I spoke with XXXX form Experian and he said he seen that the bankruptcy should be off from my documents and he was placing a note on file. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.

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 2023-07-22
Company: EQUIFAX, 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:
YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXor 5 years this has always been my residence. I have never had an account with XXXXXXXX XXXX XXXX {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Spring Oaks Capital, LLC
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made many attempts to make lower settlement as they bought account. I originally owed XXXX on account that had a XXXX credit limit. Debt collector is not willing to go less than {$740.00}. The original cardholder wouldnt accept a payment from a new bank account. Ive have specified I can not afford the full amount, and they said they will continue to report me weekly to credit bureaus until its paid in full. My credit is so damaged from a new collections every month. This is originally XXXX XXXX XXXX XXXX XXXX. Now held with spring oaks capital llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-03-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Citi is saying that I was 30 days, but I was never late.

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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a call first week in XXXX stating it was Capital One about a debt consolidation. He knew my account number, my balance, even my SS number. I told him several times I was not interested and hung up. A few days later Capital One sent me an email that my account was closed per my direction!!!! I have reached out to them multiple times and reported all this to their fraud and abuse department without answer. Now they are saying my payment is late and charging a late fee even though it was on auto payment through them. I stopped the auto pay and made payments thru my bank a week ahead of due date and they cancelled my payment and sent me an email stating my payment was late and again charged me a late fee. Please help me because Capital One will not. Apparently I am not the only one having issues if you look at social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Please help with this important matter. Another fraudulent inquiry was alerted to my cell phone. I am not liable for this inquiry please remove as soon as possible. 
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 2023-05-02
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:
Despite of multiple times that I am asking for investigation of these items on my credit report, it is in violation of federal law. Please check or investigate these unverifiable items and fix it immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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 complaint with you guys and Equifax states they will respond within 90 days which is not complying with their investigation policy with time frame. They have done this for the 3rd time. They do not complete the disputes I have requested to investigate the wrong incorrect information they are reporting without verifying, I will now file lawsuits. How can they tell you guys 90 days when their website state 30 days. I sent certified mail XX/XX/2023. Its passed 30 days. They are committing a crime at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, 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 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 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 non-monetary relief
Consumer complaint received 2021-09-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchase a vehicle at XXXX from XXXX XXXX, California around XX/XX/2015 and got a loan through Santander Consumer USA for approximately {$14000.00}. 

I have been making payment of {$390.00} ( sometimes a bit more ) since XX/XX/2015 to date. The issue is I have not really seen a difference in the balance of my loan, which is currently at approximately {$11000.00}. 

I know there have been times when I fell behind on payments and I have requested extensions throughout the six years that I have been paying for the vehicle, but I feel that for the amount of time I have been making payment I should still see a significant drop in the balance and I do not see that. 

I reached out to Santander Consumer USA a while ago to see if I could refinance the loan to reduce my interest rate which is at 26 % and I was told they do not do that. 

Recently I reached out to Santander again asking them to look into my loan being that I don't see a difference in the balance. The representative when over the loan history with me and explained that because I have fallen behind in payment and have requested several extensions most of my payments have been applied towards interest. 

I explained to him that I have been paying {$400.00} for the last six years, which equals to approximately {$24000.00}. How can I pay such a large amount of interest towards a {$14000.00} loan, even if I have fallen behind in payments this can not be. Of this {$24000.00} only about {$3000.00} have been credited towards the principal. 

I don't know what my options are at this point and would like some help in resolving this issue, and I can not afford an attorney to look into this matter. 

I just feel at this point my loan balance should be considerably low considering the length of time I have been paying. 

Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-04-05
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV has deleted the two collection accounts and canceled the payment arrangements I made. I never made any such request to cancel the arrangements. Lvnv is still reporting these two accounts to my credit file. They continue to lie about this to try and make me out to be the liar. When I was sent two e-mails when lvnv canceled the payment arrangements and they closed the two collection accounts and sent them back to the creditor. They have no right to continue to report these two on my credit report. If they cancelled my payment arrangements,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/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 2017-04-10
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the spouse of an XXXX service member who has been XXXX. I have been aggressively working with Citimortgage in an attempt to get a loan modification which I was told had been exhausted. I then asked to proceed with a short sale and am in the process of submitting documents when a Trustee Sale Date is posted on my home. I have no less than XXXX investors wanting the property and they have n't given me the time to submit the documents ... .again. I received the packet Saturday and returned it today and i afraid they are going to sell this property while im working on the short sale solution

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