BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: OLIPHANT FINANCIAL, LLC
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: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave Oliphant USA LLC any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the account listed IMMEDIATELY! Oliphant USA LLC {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When i was XXXX  and first enrolled into college, i was under the impression that most of these loans were grants and i would not have to pay them back. It was never explained to me how interest would come into play with the loans down the road. I  currently work full time but i can not afford to pay what they want for a monthly payment, and i have 5 loans that their expecting a monthly payment for. I had them deferred for a while but im not sure how much longer im able to do that for. If i was to pay what they calculate for each monthly payment, my daughter and i would be homeless because there's no way i'd be able to keep a roof over our heads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: NY
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:
On XX/XX/XXXX ( XXXX ) I logged into nelnet to check that my autopay had functioned correctly. I saw that I had no autopay scheduled ( even though I did ) and my payment was marked as late. In a panic I made a manual payment, but no harm done at this point. Today ( XX/XX/XXXX ) I checked my bank account to see XXXX payments made to nelnet. 

Their autopay system is a joke, and who knows how many countless people they are putting in financial harm with double or more payments. I am currently going on hour 4 of being on hold with no end in sight. A quick XXXX search shows me I am not the only person with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Today, XXXX received an email to confirm my account and log in. All my 3 credit bureaus are blocked and has a fraud warning effective until XXXX. 
I called Chime customer service and I asked them on how can they open an account when all my 3 credit bureaus are blocked or has a warning. She has no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan statement includes a message on the impact of bankruptcy. I filed bankruptcy in XXXX which was discharged in XXXX. I did not include my mortgage in the bankruptcy. I have asked the mortgage company to remove the message off of my monthly statement. Their response is that once a bankruptcy is filed regardless if it was included in the filing, the message remains on the statement until the loan is paid off. My argument is that keeping this message on the statement has no business purpose. If it is does not apply to all customers, then it should be removed when it no longer applies to any customer.

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 2021-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-27
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My father XXXX XXXX died in XX/XX/2023. I inherited his house upon his death ( title is in the name of his trust and I am the beneficiary of his trust and will ). I contacted the mortgage servicer CrossCountry to inform them that I was now the owner of the home and to obtain information about the mortgage. They refused to give me information and told me I needed to submit documentation to prove that I owned the property and establish myself as Successor-in-Interest ( SII ) on the mortgage account. They sent me a checklist of documents needed. After submitting all the documents I had in my possession and that were on the checklist ( including the trust, will, death certificate ), CrossCountry is still refusing to authorize me on the account as a successor, stating they need more documentation. I was perplexed because I gave them everything I had. I sought the help of a Legal Aid attorney to intervene and they told the attorney that I still need to get a court order or official letter from my county. The attorney explained that this is not possible to obtain in my situation, yet CrossCountry still will not authorize me on the account. The account is delinquent and I am worried that the house will go into foreclosure over their refusal to give me information about the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XX/XX/2017 I had been receiving solicitations from Big picture loans that I was preapproved for a loan of up to 2500. I always threw them in the trash. Last summer I applied as I needed money unexpectedly. The process was all online. I was preapproved, but much info was needed in order to finish the process. I was to provide a pay stub, bank statement, employer information, social security # ect .. I felt all was legit, as this is typical to have to provide this info. to companies/banks etc. The computer system on their end was having issues, so I was directed to call customer service. In order to complete the loan processing I needed to provide a color copy of my drivers lisc. And to expidite the process, I could allow them to view my bank account on line. I agreed, but became angry as they then declined the loan AFTER all info was provided. I feel that they went way too far in obtaining info on me. I called customer service back, and they said there is no record of me applying for a loan, to try again. I am very concerned that I may become a target if identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I HAVE AN AUTO LOAN WITH EXETER FINANCE. THIS COMPANY 'S WEBSITE HAS BEEN UNUSABLE TO MAKE PAYMENTS FOR A FEW MONTHS NOW AND THEY ARE DOING ABSOLUTELY NOTHING TO FIX IT. WE HAVE NO WAY TO MAKE A PAYMENT ONLINE AND THEY TELL THEIR CUSTOMERS TO JUST MAKE A PAYMENT OVER THE PHONE, THIS IS VERY INCONVENIENT FOR ME AND FOR MANY OTHER PEOPLE. I MAKE PAYMENTS AT DIFFERENT TIMES AND DIFFERENT HOURS OF THE DAY ALL THROUGH THE MONTH & I'M NOT GOING TO CALL THEM EVERY TIME NOR WILL THEY BE AVAILABLE EVERY TIME I AM. I'VE HAD SEVERAL DIFFERENT PROBLEMS WITH THIS COMPANY AND THIS JUST COMPOUNDS ALL THE OTHER ISSUES I'VE HAD WITH THEM. I WANT & NEED TO GIVE THEM MY MONEY TO MAKE PAYMENTS ON MY VEHICLE, AS IRREGULARLY AS IT IS, BUT THEY ARE MAKING IT AS DIFFICULT AS POSSIBLE TO DO SO!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out. 

At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau. 

I had not seen the bill before and I was not in a position to pay the full amount in a short period of time. 

In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through. 

I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time. 

In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors. 

I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ALLY FINANCIAL 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:
There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all XXXX credit bureaus and will attach it with my complaint as well.

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 2023-04-25
Company: Conn's, 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:
There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all XXXX credit bureaus and will attach it with my complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by Capital One Debt Collection several times beginning XXXX XX/XX/2022 claiming I need to answer their questions. A phone number that is mine was tied to a account of a person I do not know. The company has called 12 times or more, even after I stated I was not the targeted person. They have threatened legal trouble and to contact law enforcement for fraud because my phone number was used. They aggressively stated I needed to give my name and threatened to have this treated as criminal matter, which would have immense negative effects on my profession. They refuse to stop calling and are out of line. The phone number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/2023 The Credit bureaus stated Account XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2020-03-05
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sent two checks that totaled the full amount due on statement along with payment stub to Barclay for payment on MasterCard account number ending in XXXX. The payment stub was sent to Barclays bank and cashed for full amount. However, it was NOT a check, it was a payment stub. One of the two checks was submitted to Barclays bank and cashed for amount of check. Our bank also accepted the payment stub as payment, but when shown the problem redeposited the money into the proper account. We have a check that cleared our bank but is not posted by Barclays as having been received. We have called Barclays and e-mailed copies to them of the cancelled checks. To protect our rights we also mailed them a letter with problem outlined and copies of cancelled checks. Received a letter stating they would look into the problem. Received another letter stating they are unable to complete our request. They cashed a check for {$2500.00} and refuse to apply it to our account. Not only do they say we still that money, but we are being billed finance charges as well.

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 2021-08-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, 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:
My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received my refund check in the mail because I mistakenly used the wrong account number which was linked to a XXXXXXXX XXXX  card. It being a temporary card it didnt go through, so the check was sent back to the IRS for them to mail the check to me. Once I received the check in the mail, instead of paying a check cashing place I insisted to deposit the check in my bank account which is Regions bank.

When I gave the check to the teller, she then told me I would have to wait 1 business day then the funds would be available. Never did she say not once that it will be a 7-8 day hold. I deposited the check on XX/XX/2023 and the amount was {$5300.00}. I am not able to get out any funds and i am not able to pay any bills Ive never had to go through this it is very inconvenient and unprofessional with no communication on what I need to bring in to get my funds released.

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 2022-02-12
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
I purchased a car in XXXX. Contract was extended XXXX and a payment was put at the end of the contract. i received a letter XX/XX/XXXX that contract time was up and balance on the car needed to be paid XX/XX/XXXX. I made double payments XX/XX/XXXX, XXXX and XX/XX/XXXX. My credit report shows effective XX/XX/XXXX 30 days late XX/XX/XXXX 60 days, XX/XX/XXXX, 90 days and XX/XX/XXXX 120 days late. I have completed payment of the car. We are in the middle of a pandemic. If I was making payments how were the payments late. These late charges pop up at the end of the contract. Also they have 8 missing payments. The car would have been repossessed. There were no missing payments. One of the late payments came when I ask them to do a payoff, it took weeks I called back and was told it was denied reason being because the agent did not add that I was willing to pay half of the balance, I was asked if I wanted to do it again I said no and made a payment at the at. All payments paid.

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