BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: CA
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've disputed the XXXX XXXX credit card Charge Off and balance for 2 years now with Experian and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the 10th dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX 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 2018-02-22
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK 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 XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX 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 ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called me

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 2023-03-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX , GA XXXX ; XXXX / XXXX  XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 .

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 2022-09-18
Company: Experian Information Solutions Inc.
State: GA
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 Reporting Act all of the companies listed below has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
BANK OF AMERICA XXXX I WAS CONTACTED BY PHONE FROM BANK OF AMERICA ON XXXX A RECORDED MESSAGE WAS LEFT ON MY PHONE SAYING TO CONTACT THEM ABOUT A IMPORTANT SERVICING MATTER THEY HAVE AND THE OPPORTUNITIES THAT THEY HAVE AVAILABLE TO ME. 


ON XXXX I filed a consumer complaint with CFPB CONTINUES TO CONTACT ME BY PHONE AFTER I ASKED THEM TO SEIZE FROM CALLING MY PHONE. 

HERE IS MY DOCUMENTS SUPPORTING MY COMPLAINT BELOW

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 2022-09-18
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: Account status incorrect

Complaint:
I submitted 3 tickets from XXXX to XXXX customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was able to get a manager to resolve my issue personally ( at least the most recent occurence ) ; however, I believe this is a much bigger issue.

Care Credit offers interest free financing on Vet purchases over {$200.00}. I have had an unusually sick dog and have used my Care Credit card often with the interest free financing. I have always paid my balances and stand in good credit with them. I noticed on my last 2 statements a Minimum Interest Charge of {$2.00}. I called to determine what that was. I was told that 3 statements ago I had a {$56.00} charge from the Vet and even though over the past 2 statements I have paid {$1300.00} my payments were not fully applied to the interest barring charge instead the majority of the payment went to the interest free balance. That does not seem fair to the consumer. I am not sure if there are guidelines for this is the industry, but I do not believe this happens with my other cards. The other companies like Lowe 's will apply your payment to the non-deferred interest charges first and then to the deferred interest portion. I assumed as an accountant this is how all companies would process the payments therefore I always made sure I paid the full non-deferred portion of my bill plus payments to the deferred balance. Little did I realize this is not how Synchrony Bank ( Care Credit ) applied their payments. Who knows how much interest I have been charged over the years that I did not catch. This time they were charging me {$2.00} on a balance of {$1.00} they had left on that piece of the bill. They told me if I know there is a non-deferred balance I would need to call to have my payment applied to that piece. I think this is very dishonest of them and deceptive to their customers. It is just wrong. I love the card and the benefits, but the ethics behind their payment application is wrong.

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 monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX  and fear.

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: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX and XXXX XXXX is allowing anyone with a mortgage that they are backing to extend their forbearance and additional 3-6 months on top of the 12 months already granted. I have and the property meet all the requirement but Mr. Copper computer will not allow the extra forbearance. I have talked to Mr. Cooper 1-2 times every week starting on XX/XX/XXXX. The case has gone up the chain of command a few times and they tell me there is nothing they can do. Mr. Cooper says that it must be XXXX XXXX that is not allowing the forbearance. I started the process with XXXX XXXX on XX/XX/XXXX and they say they don't see any problems and to give them 10 days. XXXX XXXX also has a calls into Mr. Cooper and were told they need 10 days to review the account. So after 1 month I am still being told to wait while being reviewed but this will be the 3-4th time I am told under review and just wait. The forbearance expires XX/XX/XXXX but told to just wait even while the end of forbearance expires tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: MD
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:
After checking my credit I realized that my score constantly going down I have nothing outstanding I tried to pay down all my credit cards very low balance.XX/XX/XXXX XXXX XXXX I called Equifax to discuss my credit. Agent XXXX with id number he quoted to me XXXX came on the phone asked me how can I help me I told him I am calling to verify some things on my report. Before he verify my information he asked me where I got my score from I told him I am a victim of identity thief and as a result I do get a report monthly. he started chastising me that I need to get a financial adviser to discuss my credit. I explained to him I don't need one what I need is some explanation of my credit. And how can you just start advising me even before you verify the authentication of who I am. He got very mad start asking me some very personal question, that I have never being asked as a customer who is an identity thief victim. One question was I asked was named all the loans I ever had, Where I worked, company name, and what I do, how many bank loans I ever have or had, I answer questions to the best of my ability, he then remarked to me you have not answered my questions correctly I can not assist you. I asked to speak to a supervisor, he then put me on hold then came back saying I am the supervisor and he can not verify who I am so he cant help me. When things are reflecting my credit. which I need clarification about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Grain Technology, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened an account with Grain in 2020. It is part of the new movement of fintech/neobanks. I was pleased with the service as a line of credit with a $ 10 monthly fee. The APR is high, over 100 %, but if you pay it off in 30 days, you are paying just the {$10.00}. Also, they do not perform a hard inquiry, so it helps to build credit faster because it is unsecured with no hard pull, so no puts are deducted from your XXXX until the account is opened as a new account. So to my dismay, I was blindsided when I got an email at the beginning of the year stating they were increasing the rate and adding an annual fee. This is not agreed upon, so I was told that either I agree to the new annual fee or the account would be restricted to making payments on the existing balance only. The only problem with this practice is that it is a bait and switch. It will ruin your credit if you close the account because the average age of your credit declines, and your available credit goes to increase your utilization. This is unjust and needs to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint Statement : LoanDepot purposely changed the represented payments in the closing documents to appear lower. This change in quoted taxes occurred between the first refinance quote and the closing document signing. 
A potential error rather than intentional misrepresentation is unlikely due to the following reasons : During early correspondence with the Loan Office, XXXX, in email the provided/represented tax payment amount reflected what would have been the correct taxes. This home was originally purchased 1 year prior the Origination loan withXX/XX/XXXXincluded the correct monthly tax payment estimate ) ; ; the fiscal year for XXXX XXXX is XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX advised that the provided tax assessment date of XX/XX/XXXX would have been after the closure of the alleged fiscal year XXXX and that the date of mortgage signing, XX/XX/XXXX, was a date which the updated property assessment would have been available to XX/XX/XXXXLoanDepot ( the incorrect tax assessment and tax payment estimate were as if the home were {$66000.00} rather than {$620000.00} ) ; the Title company taxes provided to LoanDepot shows the supplemental tax amount which adds up to {$620000.00} in XXXX ( This is in reference to the attached Tax Document from LoanDepot which was included in the response email to this complaint during initial, direct, contact it is the Tax Estimate calculated by the title company :XX/XX/XXXX ) ; LoanDepot conducted an appraisal of the home value and conducted an underwriting assessment which showed information such as the original loan amount from XXXX, the payments that were currently being made during underwriting, and the XXXX % difference between the incorrectly quoted tax assessments associated with XXXX % increase in monthly payments which occurred while in forebearance due to covid ( though not behind at all in payments ). 
Violations from Regulations : 12 U.S.C 2609 ( c ) ( 1 ) ( A ) and ( B ) ; 12 U.S.C 2609 ( c ) ( 1 ) ( c ) ; 12 U.S.C. 2601 ; 1026.37 ( c ) ( 5 ) of 12 CFR Part 1026 ( Regulation Z ) : ; 12 U.S.C 2609 ( d ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Social Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a debt owed to Sofi Lending {$100000.00}. This company calls several times throughout the day and spoofs their phone number to look like a local number with my area code. The number that shows up on my caller ID is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but voicemails left ask me to call back on XXXX XXXX XXXX XXXX. 

Spoofing is against the Fair Debt Collections Act, as they are impersonating themselves to look like a local number in hopes that I will pick up and once they get ahold of me they can try to collect the debt owed. 

I will not pay debt that is trying to be illegally collected from me. I am not disputing the debt, I just simply will not pay a company that uses illegal tactics and multiple phone calls in a single given day to try and get ahold of me. 

I have call logs to show all the XXXX numbers they look to call from and then have voicemails that they leave stating to call the back at XXXX numbers, if this evidence is needed for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
FAILURE TO DISCLOSE THE NATURE OF THE BUSINESS RELATIONSHIP WITH THE SUPPLIED TITLE COMPANYXXXX XXXX XXXX XXXX 

LoanDepot never disclosed with me in any form of communication that XXXX  is owned by LoanDepot and created a potential conflict of interest for quality control which may have directly impacted my tax payment estimate which was incorrectly quoted during closing in XX/XX/2020 ( another CFPB complaint was opened for the specific issue of incorrect tax estimate ) Violation of Regulation : BREACH OF CONTRACT TO PROVIDE FULL DISCLOSURES OF AFFILIATED BUSINESS ARRANGEMENTS PER 12 CFR 1024.15.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : 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