BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 I contacted exeter to inform them that a payment will be sent in full to them of for the balance. We paid {$7600.00} for the remaining balance of the vehicle to be paid in full. They said they had not received it. On XX/XX/2020 we had confirmation that it was delivered. When I contacted the company on XX/XX/XXXX they advised that it would take less than 48hrs to process. I called back on XX/XX/2020 and asked if there were notes it was received and they said no to send an email with the tracking information and someone would respond within 24hrs. I had not received response. On XX/XX/2020 I called and was advised because I did not have the check number she couldn't help me. I asked to speak to a supervisor who advised all the information provided was false and it takes 3-5 business days. I had received two different payoff amounts but off which we had overpaid out of our own pocket. We received notifications that our credit score was reduced by almost 60 points because the account shows closed instead of paid in full. We did not close the account we paid it off out of our own pocket. Exeter should have placed the accurate status of the account and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: WI
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 have sent numerous letters to Equifax concerning inaccurate information pertaining to inquiries. there are 13 inquiries on my report that i have disputed as inaccurate and identity theft. i have sent numerous dispute for them to send me any and all documentation that has my signature and authorizing them to have these inquiries on my credit report but yet after many months i have yet to get any information from them as they are in violation of the fair credit reporting act and i would like them to pay for the damage that those negative inquiries has cost me and well as punitive damages per the fair credit reporting act. I also has requested the same information pertaining to a inaccurate bankruptcy that is on my credit report. i have sent many dispute on this matter and they still haven't sent me the information i requested. like all documents with my signature and all information about the dates and time of filings as well as the address. I ask that you compel them to do so since the fair credit reporting act states that i can request that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: GUARANTEED RATE INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender, Guaranteed Rate , Inc. made me pay for 4 months of Homeowners insurance payments in Escrow. RESPA states that the max should have been1/6 or 2 months. 

My insurance policy is only for any internal losses. The HOA insurance for my townhouse has a policy in place to pay for external damages and loss. 

In addition, I only financed 14 % of the cost of the home. 

I was also forced to pay for 12 months of insurance at time of closing besides the escrow amount. 

The lender 's closing disclosure says that they will charge me every month for my insurance policy. 

At the end of 12 months ( XX/XX/XXXX- XX/XX/XXXX ) I will have paid 28 monthly payments for this policy. They are not paying me interest for using my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I disputed an account with XXXX XXXX  with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been XXXX  days since my dispute, which is past the required 30 days to respond.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Account being reported twice on the credit report

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 2020-03-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Hello, my name is XXXX XXXX. I purchased my car from XXXX as a lease. I then refinanced with Chase Bank. I paid my car off months ago and Im struggling to obtain my title from Chase. Chase has allowed me to drive now with an unregistered vehicle and expired registration because I have yet to obtain my title. Every time I speak to a representative, which is almost on a daily for the past half a year, I continue to get different answers. Months later and I still dont have my title. The last answer I received today was : Chase is unable to find my title, which is extremely unprofessional. I have been a Chase customer for years and I am so disappointed and dissatisfied as a customer. I just need my title. That is all. I can not continue to drive with an unregistered vehicle and an expired registration for any longer. I drive on a daily basis for work. I would truly appreciate if someone can please help me regarding this situation, please! I can be reached at XXXX or via email at XXXX. Thank you so much in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I opened a Citi XXXX Account with a deposit amount of {$50000.00} based on a 60-Day promotional offer to earn {$700.00}. After 60 days passed, I contacted Citi to ask the status of the bonus deposit and was told that the bonus would be deposited within 90 days. In XXXX I was also told that I had met the requirements for the bonus on XX/XX/XXXX. Additionally, Citi told me that the bonus would be deposited by XX/XX/XXXX, at the latest - taking the full 90 days after qualifying for the initial 60 days. 

Still by XX/XX/XXXX, Citi did not deposit the bonus. I called Citi on XX/XX/XXXX and it was confirmed a second time that I had met the requirements of the bonus offer and was instructed to file a promotional dispute, which I did. I was told Citi would reply in XXXX business days. They did not. On XX/XX/XXXX, I called again and was told a letter had been mailed to my home address, saying " wait for the letter. '' On XX/XX/XXXX, I called Citi to request the entire account funds be transferred to another bank and instructed Citi to close the account. I still have not received a letter from Citi. 

Where is the {$700.00} bonus?

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 2021-09-17
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Valley bank has restricted my card. this is the 3rd time in the past 10 days that they have shut my debit card down. I believe the bank is harassing me. Because I haven't had access to my money I have been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please help me. I do n't know where else to turn. I received some type of correspondence from a collection company for some type of medical bill they say I owe. I had n't had any medical stuff done in XX/XX/XXXX of this year. This should be on my credit. I asked them to look into it because it was wrong then I noticed on my monitoring site they put it on there again and hit my points they just keep reporting this stuff like it 's new and I was never seen at the doctors last month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-24
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union is in direct violation of 15 U.S. Code 1692e false or misleading representations, 15 U.S. Code 1603g the consumer is the creditor, 31 U.S. Code 5118 2 public debt obligation guaranteed by United States to repay. 
NFCU is operating above the law and deliberately interfering with commerce which is causing harm and injury. And using false and misleading practices. When I log into the account online its says this information is not a attempt to collect a debt on the Home Screen. When I click the credit card a new screen opens and it says your one Payment pass due and available credit is {$0.00}. Clearly this is misleading, deceptive and theft, blocking of account credit which should be open end is definitely interfering with commerce All rights are reserved without prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are  collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: EQUIFAX, INC.
State: VA
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 NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX  : past due ( XX/XX/19 and XX/XX/19 ). Equifax : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and Equifax and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Freedom Mortgage Company
State: HI
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:
The issue is summarized in this letter I am sending to Freedom Mortgage via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies. 

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by Freedom Mortgage. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. 

I have never lived at that address.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting a wrong address to my credit. The wrong address is 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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