BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinance closing executed XX/XX/2021 LoanDepot and Closing USA Lender receipt of documents but not check provided to closing agent during signing. Lenders says closing agent lost check 2 days after confirmation of received documents package. Documents and funds shipped in the same package and tracking number. Documents received but check lost check amount {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nation Credit System is trying to collect debt for another company XXXX XXXX XXXX XXXX XXXX, SC. it was put on my credit on XXXX XXXX for {$1400.00}. Lately they have been changing the amount from XXXX to XXXX. I even called to pay it off but I asked to send me a letter stating if I pay the full amount they would delete it. She refused to do it. She was very rude. If they was just trying to collect the money why is it a big deal to send a promise to delete letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Early this year, I have received a mail from " unknown '' sender only with the address XXXX XXXX, XXXX XXXX, XXXX, CT XXXX. When I opened the mail, it was unidentified dept amount without any details and the body of the letter was stating that they will file a lawsuit. I called the company Cavarly SPV I and the representative was saying that they will file a lawsuit if I do not pay the debt. I wasn't sure what this dept is all about so I asked them if they could provide details and the personnel just hung up the phone. After months later, I filed a dispute to the credit bureau, and oddly the very next day XX/XX/2022, Cavrly SPV I LLC filed a lawsuit through XXXX XXXX XXXX XXXX without the open dispute being verified and summon was delivered on the XX/XX/XXXX around XXXX. This XXXX companies seem to me, they are coordinating to collect the credit dept in unethical way based on the timeline of the procedure they have made, not to mention the written and verbal threats that were made by Cavalry SPV I LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}

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 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with CAPITAL ONE BANK USA N. I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Freedom Mortgage Company
State: NY
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : FREEDOM MORTGAGE CORP  XXXX XXXX FREEDOM MORTGAGE CORP  XXXX and FREEDOM MORTGAGE CORP  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 2023-09-10
Company: ONLINE Information Services, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( Mo ) 281 SW 715,719. I presume no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied on XXXX  for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the apple site or I can send pictures with both the statement about no affect to my credit score and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING

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 2021-10-23
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2020 I discoverd Wells FargoXXXX XXXX XXXX XXXX XXXX report as a negative balance on my credit report. I have never owned, applied or possessed any of these cards.

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 2022-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX I'm a living human with all the rights of XXXX me from the fcra by being a US citizen please advise this complaint is against Experian and XXXX for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a XXXX for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste XXXX  XXXX  afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly

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 2022-03-30
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Company contacted me at XXXX ( XXXX XXXX ) on XX/XX/2022. Screenshots of voicemail are attached. They again contacted me today, XX/XX/2022 at XXXX ( XXXX XXXX ). 

This company is also being deceptive as the representative initially told me that I was not a part of a class action lawsuit, which I was and confirmed therefore this debt should have been cleared out. I was a part of the class action lawsuit Case XXXX, in the United States District Court for the XXXX XXXX of Virginia , against BlueChip Financial dba Spotloan and do not owe a current balance as you falsely stated. They lied in order to have me setup a payment arrangement, which I canceled as soon a I validated that I was in fact a part of the lawuit. They threatened legal action several times.

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 2023-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank canceled a credit card that was exclusively used for travel during the early XXXX years when no one was able to travel. The card had a credit line near XXXX. As a result, my XXXX XXXX went down. The reason for the cancellation was sighted lack of use. 
I wrote Citibank asking that my card be reinstated, but they refused stating that I required a new credit inquiry in order to get a new card. I requested that they use the credit history of the other card, a thank you card, to determine my payment history, or review the history of the card that was canceled. Citibank refused but sent a nice letter.

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 2023-09-10
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
Navient is the private student loan company servicing 3 of my loans all of which had a co-borrower on them, they have recently called the co signor for past due payment recently so much that co signor got fed up and said she was not paying them anymore and wanted to know how to stop the calls. Some client from navient and my co signer agreed that if the co signer paid 75 % of the bill in full they would release her from the form and hold me ( primary / borrower ) solely responsible. I was never made aware of this action until after it was complete and to my understanding it takes the borrower ( me ) and the lending company both to agree to let co signer off hook after meeting certain qualifications ( 1 ) being that I can afford the monthly payment and ( 2 ) I have to prove I can do that through W-2 's and other methods and not simply by word of mouth. None of this has happened. I truly feel like they purposely misled my co signer into " settling '' with them and on backend still trying to collect difference from me which seems highly scandalous if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-09
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
Im writing because I noticed since last year XXXX  credit report contains a one late payment reported from Honda Financial on XXXX, 2017 for my XXXX XXXX  XXXX Account # XXXX I want you to know that I understand my financial obligations, and if it werent for my medical emergency ( XXXX XXXX and XXXX XXXX ) I had, circumstance that caused only one miss a payment, Id have an excellent repayment record. I made a mistake in falling behind, but since then, a leased XXXX more cars with Exceptional payment history with this company. 
Im planning to apply for my first time home buyer mortgage, and preparing for my renewal auto loan, and its come to my attention that the missed payment on my XXXX record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX, 2017. I called, mail Honda Financial with no answer.

Thank you for your consideration, and I hope youll approvemy request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Nationwide Recovery Systems, Ltd
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''.

Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NV
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 reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly remove this erroneous account from my records. 
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 an ACH Transfer utilizing Western Union and was paid for and attempted to be sent to me in the amount of {$7500.00}. The problem was the sender utilized the routing number for wire transfer versus ACH, because Western Union told her the funds would be wired SAME DAY. 
On Tuesday, XX/XX/2023, I called to check the status because the monies had not shown available in my bank account. Upon checking, the routing number the monies was sent to was incorrect. XXXX XXXX  XXXX advised it was rejected and never deposited into my account. Western Union still attempted to tell me and the sender the monies was delivered to me. XXXX XXXX XXXX spoke to Western Union on several occasions advising the fund were rejected because the wrong routing number was used. And asked the funds be resubmitted using the right details. Western Union confirmed they were not aware I had a business account which should have not even been allowed to be sent. 
Ive spoken to Western Union for countless hours, so has the sender and they refuse to release the monies to me or the sender. Claiming they do not have the money XXXX  XXXX XXXX does. However I have proof the money never deposited. This is FRAUD, Ive sent bank statements, chat transcripts and recorded calls showing the money was never deposited. 
This money was for emergency medical funds. They are not doing their due diligence to find the funds. {$7500.00} is a large amount to attempt to deceive consumers about next step is filing a police report. XXXX XXXX XXXX has provided proof the funds were rejected. I will stop at nothing to ensure the monies is rightfully returned.

Company response to consumer: Closed with explanation