BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, Equifax and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Their investigation did not fix an error on your report

Complaint:
I made several attemplemts to get Equifax to do a proper investigation but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Capital One bank offered to me to open a new account XXXX savings with promo code XXXX with requirements deposit account within 15 days up to {$100000.00} and hold it for 90 days and I will receive {$1000.00} bonus. I opened account on XX/XX/2023, deposited funds on XX/XX/2023, hold it for 90 days as required. I didn't receive any bonus until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: OneMain Finance Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a personal loan with one main financial. I applied through XXXX XXXX it stated I was approved for a loan amount up to {$4000.00} dollars. So I finished the application online and was called the next day stating I was pre-approved and that the final approval would be after the income was verified. But what stood out is they was telling me based on my hours of employment, SSI payments and vehicles collateral I could get a personal loan for {$15000.00} dollars. The SSI payment was off by {$200.00} and I assured the company I could prove the money will be reapplied in less than a week but the company said no they couldnt use it then my job had only given me part-time hours even doe they was able to call and verify that I was a full-time worker. So end result was I didnt qualify for any loan but they did a hard inquiry and knocked 61 points off my credit for a loan I wasnt approved for. This isnt fair because its the second time this year that the same company denied me of a personal loan even after I have a clear title of a XXXX XXXX XXXX and income.I feel I was discriminated against by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.

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 2022-07-26
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BBY/CBNA XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2021-10-25
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent multiple letters to XXXX, XXXX and XXXX asking for verfication of a Public Record as incorrect information is listed. I have been requesting this since at a minimum of XX/XX/2021. The responses I get send me in Circles. They ALL say it was verified through lexisNexis and then LexisNexis either responds they are unable to process it or that they are reaching out to the credit bureaus whom say that they verified it with LexisNexis. I also reached out to my court house to see if maybe they reported incorrect information which would make sense that the information is incorrect. But they resonded that they have no affiliation or communication wiht any credit bureau. But it is a public record so someone may have mixed and merged my information when they were obtaining the public information from PACER. It was explained to me that all information on my credit report needs to be true and accurate across the board and the only way to do that is to obtain it from the original source. If they original source does not communicate with credit bureaus how is this Legal? I am at wit ends as I hae made multiple attempts to get this resolved and just get send around in circles when LexisNexis is housing the incorrect infoamion and sharing it amongst at a minimum XXXX, XXXX and XXXX and possibly any of the other 3rd party bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 I applied for a credit card via referral link sent by a friend, since I am a new green card holder here in the US and want to try increasing my credit score I tried to apply for this discover credit card and immediately I got approve without asking me if how long I have been living here in the US. I am so happy that I got approved to start building my credit score. However, when I got the physical card and activated it, knowing that I can already use it my first transaction was declined. So I immediately called the bank and ask why. So they say that I need to sign some documents so they can do a back check and its all fine with me. But the problem was they were asking me to provide a 3month bank statement until the XX/XX/XXXX of 2022. I called them again telling them that as much As I wanted to do that I can only provide a 2month statement until the deadline since I just arrived and started working here in the US just The month of XX/XX/2022. Then the only option they given me is to personally close the account or if I did not give them the requirements they need, they will automatically close my account even if I do not want it since either of those can greatly affect my credit score which initially the reason I applied for this is to build up my credit score as a starter. This is very frustrating on my part. They should have ask initially during the online application if for how long an applicant is currently residing in the US in that case that can immediately disapprove the applicant and not go through with process. Very disappointing. Me, together with my friends are now experiencing this situation that we dont want to happen when we applied. I tried calling them many times and they are just telling me the same thing, either close the account or they will automatically close it if we did not submit the documents they needed. Kindly help us with this discover credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet bought my student loans during the pandemic. Without my permission, they created an account without any contact information attached to it. I can not access this account to submit an IDR application. I can not see if there are any errors in how they are calculating my payment. I have called numerous times without ever getting to speak to anyone. I sent an email on the company website that included up to date contact information and asked for access to the account they created without my permission or ability to access it. The email was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Transaction # 2 Account # XXXX XX/XX/XXXX On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX ( now defunct ) in XXXX XXXX, California. Again, Ally Financial accepted the Security Instrument and fraudulently created credit in a Transaction Account ( by forging my signature ), provided the Holder of the lien ( the financing company for XXXX XXXX XXXX ) with an exchange of credit or a Promissory Note, withdrew credit from my Setoff account with the Federal Reserve, placed a lien on my vehicle, and are forcing me to pay in an unlike exchange of credit for money ( Federal Reserve Notes ). A certified letter was mailed on XX/XX/XXXX, in request of a full refund of payments on the current purchase, yet no response has been provided.

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 2023-09-07
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The balance of my Citibank account is currently not accurate. I have noticed that when there are pending transactions, they are being deducted from my available balance at the time of the transaction. However, these pending transactions are then deducted again from my subsequent deposits. Despite contacting Citibank and being informed that it would be fixed by the following morning, three days have passed and my account balance is still incorrect. Furthermore, I have observed that pending transactions are being posted a week later than their actual transaction dates.

This is not the first time I have experienced such issues with my Citibank account.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: MO
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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:
This is my 7th endeavor 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 an 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I received my approval for a flex loan modification from Cardinal Financial. The letter stated I had 14 days to accept. A drive by servicer came to our home to serve us foreclosure paperwork on Saturday XX/XX/XXXX. I called on Monday XX/XX/XXXX and was told there was an error on the date that was sent out and the foreclosure was stopped. There is a lawsuit that was filed with XXXX XXXX Florida that shows XXXX XXXX XXXX on behalf of Cardinal Financial Company filed foreclosure on our home on XX/XX/XXXX. We had not even received the modification paperwork at that point. 
Our home was severely damaged by Hurricane Ian. We have a XXXX XXXX XXXX. There is a moratorium on foreclosures and negative credit reporting for 12 months post Hurricane Ian that hit us on XX/XX/2022. Cardinal Financial has reported us delinquent on the loan and has the foreclosure lawsuit on hold. I have asked both XXXX XXXX and Cardinal to DISMISS THE LAWSUIT IMMEDIATELY AND WITHDRAW THE XXXX XXXX  AS THEY HAVE VIOLATED THE INVESTORS SERVICING GUIDELINES FOLLOWING THE NATURAL DISASTER, HURRICANE IAN, THAT HAS HAD A DEVASTATING DIRECT EFFECT ON THE COLLATERAL FOR THE LOAN. 
THIS FILING ON OUR PROPERTY IS HOLDING UP FUNDS AND PERMITS TO REPAIR OUR HOME. XXXX XXXX XXXX XXXX XXXX FL XXXX Cardinal is also holding onto our insurance checks that were sent to them to endorse : We need the funds released and they keep sending inspectors that dont report on the entire house repairs. Cardinal Financial is holding over $ XXXX that we need to pay the framer so the roofing company can put a roof on our home. Cardinal states that only 40 % of the roof is complete so they wont release the funds. The funds arent all for the roof. We had to remove all of the drywall in the rooms where the roof came off and the ceilings fell in. We have finished the drywall in the master. Rebuilt stairs to be able to get to the second level to mitigate. Tree removal, mold mitigation etcCardinal Financial has made a natural disaster into a long, painful, credit wrecking, frustrating 10 month long process of fixing our home. We have been living at our neighbors house for the past 10 months. Now that we are getting checks from insurance, Cardinal is holding them and then unlawfully filed a lawsuit for foreclosure, which is holding us hostage yet again to be able to get back into our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
Please refer to complaint number XXXX within your company. 

Experian is the only credit reporting agency that has not removed this debt. 

FCRA indicates creditors have a certain timeframe to validate a debt. Once that timeframe has expired that debt should be removed from the debtors credit profile if not validated within a certain timeframe. 

Experian is in violation of my rights and has not followed through on rights under FCRA. 

They must follow suit and removed this debt.

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