BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: OneMain Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Over the last week I contacted OneMain Financial and requested that they change the method in which they refund unearned interest for my account. The reason that I asked this is because I wanted to payoff my loan, but the payoff in which they gave me was higher than I expected. 

When I originally took out the loan in 2021 I was not informed the way in which the Rule of 78 works. After doing a significant amount of research I found that the Rule of 78 is widely considered a prepayment penalty due to it having the same impact as a prepayment penalty. The only difference is that in the eyes of the federal government prepayment penalty is a contractual charge imposed by a lender for early loan repayment, while the Rule of 78 is an interest calculation method that can result in similar effects to a prepayment penalty, as the borrower may not receive a full refund of prepaid interest. Even so, the Rule of 78 itself acts as an alternative route to charging a prepayment penalty as the true unearned interest amount is severely skewed when using its archaic methodology. 

With this in mind I would like to add that there are financial courses that XXXX  offer that state the Rule of 78s is a prepayment penalty. In addition XXXX  courses teaching this there are also several states namely Missouri that have deemed the Rule of 78s a prepayment penalty due to how it heavily favors the lender thus prohibiting the use of them for all loan types. Please refer to Missouri SB 0528 to see their decision. As a member of the United States of Americas prestigious XXXX XXXX I do not expect any form of special treatment, however, I would like to call upon the CFPB to speak with OneMain Financial to view their standpoint. I also forgot to mention that the loan was taken out in the state of Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TN
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 am a victim of id theft due in part to the equifax data breach. i am a member of the class action lawsuit against equifax and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. 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. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-28
Company: EQUIFAX, INC.
State: NY
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 second 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I placed an order for several pairs of shoes via XXXX  back in XXXX of 2023. Two of the pair were final sale, but arrived damaged. I contacted XXXX about this, and they assured me that, as a one-time courtesy, I could return the damaged items ( regardless of them being final sale because they were DAMAGED, ie, missing leather from spots on the shoes ) for a refund. I filed this complaint over a month ago, have proof that XXXX okayed the refund, as well as proof that I returned the items via delivery tracking number ( see all attached screenshots ) and submitted a complaint to Affirm ( which they subsequently closed ), as well as several pieces of the documentation attached here. Affirm is not taking this issue seriously, and despite my evidence, not adjusting the installment loan, which is almost {$200.00} extra plus interest I should not be paying. Now, my loan is late payment is late, as I want this resolved prior to making any payments, and I also want the interest subtracted, as I am still being charged for items I have returned and have proof of returning. Affirm has been no help. I just filed yet another dispute claim yesterday, replete with attached documentation outlining everything I explained here, and they have sent me what I believe is an automated message asking for the very documentation I uploaded yesterday. For reference, here are the Affirm dispute case IDs : XXXX ( filed XX/XX/XXXX, before any loan payment was even due ) and XXXX ( filed XX/XX/XXXX ). I have no problem paying my loan, but I am not paying for items that I don't actually have because I returned them, nor am I paying interest for these returned items. Company sites : XXXX ; www.affirm.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a Bank of America Customer for 15+ years. I made a mobile deposit of a check in the amount of {$10000.00}, check number XXXX, from XXXX XXXX XXXX to my Bank of America savings account ( last four is XXXX ) on XX/XX/XXXX. Within 5 minutes time a hold was placed with a message " Total amount delayed, available XX/XX/XXXX at XXXX XXXX  CT. '' My wife and I are busy professionals with children. We work as XXXX  who have, like many, risked our lives this past year. We never ask for special treatment, only to be treated with fairness and dignity. Bank XXXXf American has treated us with indifference and, frankly, by doing so with disdain. 

We took out an IRA distribution from XXXX XXXX, {$10000.00} to pay for needed medical care for a family member, which had to be paid by XX/XX/XXXX. The check is from a major financial institution - XXXX XXXX. There is absolutely no valid reason for Bank of America to hold these funds. I was informed by the telephone service rep " The deposit is too fresh '' and advised to call again the next day. This is after waiting 35 minutes to speak with her the first time. Now I should cancel patients and dedicate what? ... .an hour to try to mitigate this? Unlike Bank of America, I do not treat others with indifference and disdain - either passively or actively. 

B of A never seems to fail to capitalize on an opportunity let people down when there are in a time of need. I should have predicted this situation. In this manner, I hold some culpability. I plan to share this story with all my colleagues in the XXXX  and XXXX XXXX  I hold a XXXX  position with. If I practiced XXXX  the way Bank of America 'practices ' its banking profession, I would lose my license and likely be prosecuted.

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 2023-04-21
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 am writing to dispute an illegal collection that has been reported on my TransUnion credit report. The collection is for a debt that I am not responsible for, as it was incurred due to a work-related injury covered by workers ' compensation in Texas. 
According to Texas Department of Insurance, Division of Workers Compensation, providers/collectors are required to send bills related to workers ' compensation claims to the carrier. However, the collector in question has disregarded this requirement and reported the collection on my credit report. 
This action constitutes a violation of my rights and is illegal. 
The continued listing of this collection despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached copies of the relevant documentation, including the workers ' compensation claim and the insurance carrier info, to support my claim.

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 2019-08-06
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:
fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is 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 2019-02-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern : I started paying extra on the loan on XX/XX/2018. Then I notice the payment amount going down and the due date getting further away. On the first occasion I spoke to the company, Nissan motor acceptance corp, the rep told me that my extra payments were being applied correctly and that if I payed extra it went to the principle. I asked why does my payment amount change and the due date get further away. He gave me an unsatisfactory explanation about some customers like that so if they need to pay latter or pay less they can. I told him I didn't want this, I didn't ask for this and I wanted my bill to go back according the loan contract. It did not, as you can see in the attached documents, the payment keeps getting less and the due date further away. 

In my opinion, they are doing this to trick people into paying less so they can earn more interest. This should not be allowed, I have a loan contract and they should be bound to follow it. 

I called again and told them I wanted to see how my payments were being applied, and they sent my an amortization schedule instead. And as you can see, it is the same payment amount and the same due date every month. This made me more suspicious that they were hiding something. 

So I called back and made sure the rep this time understood that I want to see how my payments were being applied and the interest paid, the accounting in other words. When I got that, as you can see, the interest payments go up and down. It should be going down continuously not up and down like this. I feel Nissan is not applying my extra payments correctly, not applying the payment consistently on the same date, and they are not following there own amortization schedule. 
I need someone to look at this that knows how this should be, it just doesn't look right to me. 

Thanks for the help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
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:
Santander is reporting XXXX late payments on my account : XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. I have attached a payment confirmation proving that a payment was made in XXXX. This late payment is inaccurate. The vehicle was sold in XX/XX/XXXX and I no longer had possession at that point. The account was paid in full and was NOT late in XX/XX/XXXX. This is also inaccurate.

Company response to consumer: Closed with explanation