BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX automatically enrolled me in a credit protection program when I first signed up for the card. I had no idea this program existed and that there was a fee attached after all these years. We were using our card often until the balance started to increase and I decided to stop making purchases to pay it off. its been 2 years and the balance continued to increase instead of decrease. That's when I noticed the additional fee. XXXX $  per every {$100.00} spent on the card. I called to end this program immediately and they said they would stop it and put in a refund request since I had no idea. Customer service was very rude and they ended up denying my refund. I have probably been charged over XXXX since XX/XX/2012 with these fees alone.

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 2021-06-29
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, Experian, and XXXX. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to 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 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2018-12-09
Company: Experian Information Solutions Inc.
State: CA
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 recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX/XXXX/XXXX 2.XXXX  XXXX  XXXX   3.XXXX  4.XXXX  5.XXXX/XXXX  XXXX  6.XXXX XXXX XXXX   7.XXXX/XXXX  8.XXXX  XXXX  9.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 2018-04-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to Nisan Motor as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry. 
1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. Nissan Motor Inquiry from XX/XX/XXXX 4. XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Big Picture Loans, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX Veteran and have limited income. I reached out to bigpictureloans.com for a loan due shortfallings on my bills in XX/XX/2017 I was paying the installments on time only to realize that the {$800.00} I did pay on my {$1000.00} loan was only interest and that I still had over {$3000.00} to pay. How could anyone afford that? This is highway robbery. There is no way I can continue to afford to pay them {$400.00} per month on a {$1000.00} loan for the next year or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : Hunter Warfield account # XXXX. To Whom it may concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts state ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The following account is listed below : Hunter Warfield account # 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 2019-04-10
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
hi, I have reached out to LOANCARE LLC and requested a manager. An escalation ticket was put in they system. The manager advised me that the issue would be taken care of within 7 days and that someone will reach out to me directly with the status. We have a past due property tax bill that was due XX/XX/XXXX. The town did not reach out to us until XX/XX/XXXX. It was then that we received a final notice. I have called LOANCARE multiple times and each time I am given a different date as to when this matter will be resolved. As of today our property tax bill has not been paid. No one has reached out to us. I have called multiple times on this issue and it has not been resolved. I even emailed their customer service team about other issues and never receive a response back. Their customer service is terrible. Have you on hold forever and never respond to emails. We would like our tax bill paid out of our escrow account as it should of been paid last year asap. L

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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.

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 2018-03-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Equifax lists my current employer as the one that I left in the summer of 2000 and has no mention of the employer where I have been working for almost18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2018-12-09
Company: EQUIFAX, INC.
State: KY
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 filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX XXXX in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX  has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX 3 )  XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont XXXX fixing this? Us XXXX paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX, 2017 XXXX XXXX took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to 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 2019-04-10
Company: Santander Consumer USA 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:
I share a Santander Consumer USA loan account with my wife and we made on time payments with the loan and then we decided to refinance with a different bank. The problem for XXXX has been corrected on my wife 's XXXX credit report with one credit bureau, but not for XXXX. On my XXXX credit report for the first month, XX/XX/2018 Santander is saying they " can not find our payment '' in their system. I showed bank statements proving that we made the payment. They will not report paid or current. For the payment in XX/XX/2018 we did not make the payment but the refinancing was completed and paid in full before 30 days late. On my credit report before the dispute it showed XXXX was 30 days late and XXXX was closed. Now after the dispute it shows XXXX and XXXX both 30 days late and Closed in XXXX. That is completely incorrect because it was paid in full in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This happen in XX/XX/XXXX I notice in XXXX theres was inaccurate accounts on my credit report. So I spoke with a representative at equifax it was a supervisor I spoke with they told me to get a police report or a ftc report about the fraudulent accounts that was showing on m credit report. So I provided equifax with a ftc report sent it by mail they received it they told me the ftc was invalid that they couldnt process it because I didnt have the fraudulent account number on the report. Equifax have been sending me on a goose chase I call them they lie like one representative told me she was gne have the fraudulent accounts removed and I feel like I been a victim of fraud for three years and it seem to me I provided Equifax proof of a Ftc report which is what the head person of Equifax told me to do and they still not helping me with this matter okay so since they want me to provide a valid ftc report which the representative told me to do if I want to get those fraudulent accounts thats on my credit report removed I have print out a ftc report with the account number of the fraudulent accounts and Im attached a copy of my photo Id lets see what the problem is now I will like those fraudulent accounts to be removed from my credit report immediately a supervisor from Equifax said provided them with a valid Ftc report and make sure I add the account numbers from the fraudulent accounts that are showing on my credit report and once I do that they will removed them so please remove those accounts from my credit report and I also fax in this Ftc report on XX/XX/XXXX and this time its valid with the account number so yall shouldnt have any problems getting these removed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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/XXXX I received an email alert stating that I had a pending credit application for a credit card through Capital One. I also received notification through my XXXX XXXX  app that I had new inquiry on my credit report from Capital One. 
I contacted Capital One and asked why did they pull my credit report and the confirmed that a credit application was opened in my name. I informed them that I did not apply for a credit card and that my information was being used fraudulently. Capital One cancelled the application and marked it as fraud and stated that they will besending letter to the three reporting credit bureaus to have the inquiries removed. 
On XX/XX/XXXX I did a follow up to check to progress and was informed by Capital One that the letters never went out but I could call the three reporting credit bureaus and dispute inquiries on my own, so I reached out to the three reporting credit bureaus and had success getting the inquiries removed from my XXXX XXXX, and XXXX  report, but XXXX  said I had to provide them with a police report or FTC report. That's how I ended up here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: Caliber Home Loans, Inc.
State: UT
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:
On XX/XX/XXXX I filed a CFPB complaint on Caliber Home Loans , Inc. to investigate why I received a 30 late payment on my credit report. The claim was not corrected and this 30 day late payment should not be on my credit report. Therefore, I am refiling a CFPB and respectfully requesting that Caliber Home Loans , Inc., pull all phone records wherein you will find that I was told by the representative that there would not be a late payment reported on my credit report. I submitted all of the required documents pursuant to the website check list and I received a letter on XX/XX/XXXX stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/XXXX. I  sent all of the documentation on XX/XX/XXXX. In order to accept this offer I also had to make a payment by XX/XX/XXXX, however I made my first payment earlier than that on XX/XX/XXXX. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was suppose to be entered into this program and I was told I didnt have to make a payment. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation