BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: AL
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:
All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.

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 2019-05-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX I placed an order on line with my credit card and was over charged so I immediately cancelled the order. I canceled the order on line, with the bank and in a chat with the company. They sent the order any and I did not accept it. They picked it up where they dropped it off 5 days later. They billed me and then credited the account for {$160.00}. I have not used the card. I was later charged a late fee of {$15.00} and {$2.00} interest on a zero balance. When I called it was doubled to {$34.00} and I could not get a response or customer service for two days. I called the third day an the bill is now {$49.00}. I am being charged late fees and interest on an account with a zero balance. An account that I have not used since XXXX. An account that I no longer use. I tried calling Citi Bank and XXXX XXXX. Each time I call they request my social security number and demand payment for a bill that I do not owe. In addition I am being charged interest on a late payment for a credit., A credit ... ..The order was canceled minutes after it was placed and the order was finally credited a month later and this company is trying to collect money on a late fee. I have documentation that I have made repeated calls both to the Citi Bank and XXXX XXXX. No results each month they add another late charge ... ..This account had a zero balance. I have a documented chat as well as dates and names of the people I spoke with at the bank. XXXX XXXX XXXX fraudulently processed a canceled order, billed me for it, gave me a credit for the full amount they delivered and then picked up and charged me late fees and interest on their fraudulent attempts to collect money. How incredibly dishonest.

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 2022-10-26
Company: EQUIFAX, INC.
State: PA
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:
Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, EQUIFAX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TX
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:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called TransUnion and XXXX  questioned an inquiries of XXXX, XXXX XXXX  and XXXX XXXX on my credit report. I told them that I did not make these two inquiries on my credit file. They gave me the run around.

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 2019-06-21
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had car leased from XXXX XXXX ( XXXX, NJ ) and at the end of the lease decided to purchase it. The car was financed from XXXX XXXX XXXX  in the amount of XXXX which was disbursed to the dealership on XX/XX/2019. The funds should have been used to pay it off Honda Financial loan but as of XX/XX/2019 it never happened. I dealt with XXXX XXXX, Finance Manager and the general manager at  XXXX XXXX, XXXX XXXX ( General Manager ) who have under the pretense of a recent purchase of the dealership that occurred on XX/XX/2019 continue to find all excuses not to transfer the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT IS STILL SHOWING AS AN ACTIVE COLLECTION ACCOUNT - SUBMITTED DISPUTE W/ CREDIT REPORT. CONTACT THE DEBT COLLECTOR WHO STATED THEY COULD NOT DO ANYTHING ELSE. - EVEN THOUGH VERIFIED DEBT IS PAID IN FULL. MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: WV
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:
XXXX XXXX SENT MY ACCOUNT - XXXX - TO COLLECTIONS AFTER IT WENT INTO DEBT ( I WAS IN XXXX ) XXXX XXXX DEBT COLLECTOR - XXXX XXXX WAS CONTACTED - AND THE DEBT WAS SATISFIED. XXXX XXXX HAS FAILED TO UPDATE MY CREDIT RECORD WHEN VERIFICATION WAS REQUESTED. XXXX XXXX WAS SEND ( 3 ) LETTERS - 1 Y CERTIFIED MAIL - WHEN COPIES OF THE DEBT PAYOFF - YET, THEY HAVE DONE NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I paid my Self-Financial credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from Self-Financial and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} Self Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that self-financial reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as Self-Financial literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as Self-Financial has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Paradigm Assets, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company JHPDE FINANCE I , LLC appears on my crdit report trying to collect an amount of a XXXX that I never open dated on XX/XX/2018 .... ( see attachment ) This company, JHPDE FINANCE I , LLC have all my personal information with out my concent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX/XXXX/XXXX my personal info was used to get a loan out with net credit without my consent by XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have good credit scores. I recently applied for a home mortgage loan with several mortgage companies. I have a good job. I should be approved for a credit card application. My application ID is XXXX. Capital One N.A. is located in XXXX XXXX XXXX, UT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: WA
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:
In XXXX XXXX our mortgage was transferred to this company from XXXX. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays dateXXXX XXXX and Experian are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

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 2017-11-09
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX Credit Card and was denied. The letter denying my request stated, " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency or other negative performance ''. 

I did have a XXXX XXXX bankruptcy in XXXX and all creditors were paid what the court requested that I pay. Barclays states that they are still showing a balance due on my old account that was included in my bankruptcy. I explained to them that my obligations were fulfilled and that they should have no balance on any account from me. My credit reports all show NO negative standings. Barclays stated that they did not pull a credit bureau report and because they are showing that balance ( which should have been written off XXXX, they can not issue me that credit card. 

No matter what I stated to them, even stating that it has been 7 years and my credit is now excellent, they said it did not matter, because they are still showing a balance, even though they should n't. 

Can you help me with Barclays to get this account balance removed and hopefully receive a credit card from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Social Finance, 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: Account information incorrect

Complaint:
I applied for a personal loan through SoFXXXX on XX/XX/XXXX. I was denied despite having a high credit score and providing income documentation. I called SoFi and the customer service representativesaid to submit additionaldocumentation. She said my credit wouldn't be checked again. 

I submitted additionaldocumentation. 

SoFi then checked my credit again on XX/XX/XXXX resulting in another hard inquiry on my credit report. 

I called the company to complain in XX/XX/XXXX and SoFi said it would remove the second inquiry. As of XX/XX/XXXX, SoFi has not removed the second hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THOSE ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone at a XXXX XXXX store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information

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 2017-07-07
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
2-Student loan now purchased by NavientXX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX ; two accounts same act # XXXX 1 in the amount of {$8500.00} the other {$12000.00} With Navient 1 year ago I begged for forbearance, they granted it then a few weeks ago Navient started harassing me once I asked for credit reports after my identity was stolen with credit opened in my name. They gave me the forbearance then once I pulled my credit report after being hacked they started with the 24-7 calls. The history of the loan goes back to XX/XX/XXXX ; I was coerced into buying the loan/school program did n't finish it for 2 reasons. 1. Once I realized I could not afford 2. Soon also learned it was not accredited Please assist me in having these expunged, removed, forgiven and stop the harassment. Thank you for all your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Public record information inaccurate

Complaint:
I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Public record information inaccurate

Complaint:
I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive received a letter from NY bankrupcy court VS Ditech ( who my mortgage is thru ) wanting me to fill out a form of liabilities and assets. I cant seem to find the form they speak of. And I discovered when I checked their website that my payment for the month of XXXX is not showing to be paid. I made my payment on XX/XX/2019 qnd it cleared the bank. I have tried to call them but with no success. I have no idea where to get help with this. Please give me some feedback.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. In XXXX XXXX, I checked my credit score and noticed XXXX XXXX XXXX had reported two late payments XXXX XXXX and XXXX XXXX ). I contacted them in XXXX of XXXX to dispute these false statements and nothing was done. The faxes were sent over on XXXX XXXX, XXXX with bank statements proving the payments were paid on time and were not late. 

On XXXX XXXX, XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by XXXX XXXX XXXX I could not go forward. I then again contacted XXXX XXXX XXXX and Equifax to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XXXX I supposedly called and asked for the additional monies that were sent in be applied to principle and with XXXX XXXX payment being only XXXX, which was what was due at the time the payment was now considered late. XXXX XXXX has nothing to do with XXXX of XXXX payments whatsoever. On XXXX XXXX, XXXX I was advised XXXX XXXX XXXX is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.

Company response to consumer: Closed with explanation