BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: OH
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:
There was an account on my report that had been paid in full and closed but did not reflect that on my experian credit report. I disputed it and they only changed it to 50 % paid and did not remove it. I disputed again with the letter from the company stating stating account was paid in full and experian said there wasn't enough information to remove the account and now they are refusing to remove from 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 2023-06-27
Company: Exeter Finance Corp.
State: TX
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 my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX Exeter Finance LLC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX  on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Re apple card account To whom it may concern im writing to see why my apple card was abruptly closed on XX/XX/2023 without and explanation when I called I was told to check the user terms that does not tell me anything I want a valid reason as to why this account was closed I have never been late on a payment and the account is current. I want this account reinstated. As a reminder you are not permitted by law to close an account for filing disputes. I have every right to do so if the merchant doesnt give a refund. In my case all the merchandise was returned to the merchant per thrir agreement and refunds never issued for it. I have reported this issue to the consumer financial protection bureau as well.. 

My ssi number is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: LOBEL FINANCIAL CORPORATION
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:
Lobel Financial Corp knowingly financed a vehicle with motor problems, expressed during our interview. Subsequently, the XXXX XXXX XXXX failed SMOG. After communicating repeat SMOG failures, and unsuccessful repairs while making payments. I returned the XXXX XXXX to Lobel Financial Corp. 
Lobel sold the vehicle and charged off the balance of approx. {$4600.00}. 
Lobel refuses to update the incorrectly reported balance of approx {$4800.00} to all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was used multiple times on XXXX I got a email saying my card had been locked so I called and confirmed them transactions were not me why lock my card if it was me thats how they kno my card was being used multi times for 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 2018-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
WELLS FARGO APPROVED A MODIFICATION ON MY PROPERTY, I DID AGREE ON ALL NEW TERMS & CONDITIONS. A MOBIL NOTARY WAS ASSIGNED TO ME, TO NOTARIZE AND EXECUTED THE MODIFICATION ON XX/XX/2018. A FEW WEEKS AFTER ANOTHER MODIFICATION PACKAGE ARRIVED AT MY PROPERTY INCLUDING ADDITIONAL DOCUMENTS TO BE SIGN, IN FRONT OF A NOTARY AND RETURN. THIS NEW DOCUMENTS INCLUDED, A ASSIGNMENT OF RENT RIDER.I DID NOT SIGN THE NEW DOCUMENT BECAUSE WERE ADDED AFTER THE FACT, OF SIGNING ALL REQUIRED DOCUMENTS.ALSO THIS DOCUMENT BENEFITS THE BANK ONLY AND NOT MY SELF. THE WAY WELLS FARGO IS CONDUCTING BUSINESS CREATES A MISREPRESENTATION BY MAKING FALSE REPRESENTATION.BREACHING A CONTRACT BETWEEN CLIENT AND LENDER.THEY HAVE TO BE RESPONSIBLE FOR ANY MISTAKES MADE BY THEIR REPRESENTATIVES AND EMPLOYEES.

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 2017-09-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I borrowed approx {$55000.00} in parent plus loans, beginning in XXXX and ending in XXXX for the purpose of financing XXXX of my childrens ' education. Some of the loans were co-signed by my ex husband, and all were qualified through the income from his business. Divorce papers were filed in XXXX of XXXX, and he blocked me from access to all family finances, while refusing to make payments on these loans, which then went into default. The divorce became final in XXXX, and the divorce agreement stated that though he retained his profitable business, we were equally liable for the balance of the loans, and I did not have the resources to hire a lawyer to hold him accountable. I called the loan company, who insisted that the only option was to put all of the loans on forbearance, and the only way they would do this was if I consolidated the loans into one debt. As per their instructions, I signed the loan consolidation papers and the new loan was placed on forbearance status. Without the guidance of a lawyer, and based on the " expert '' instructions of the Navient employees, I unknowingly removed my ex husband from any liability or connection to the loans by only signing my name. In addition, every time the forbearance status came due, I was advised to renew the status. At no time was an income based repayment plan offered or discussed. As a result, this loan was on forbearance from XXXX until approx XXXX when I called and asked about the IBR plans, adding capitalized interest at astronomical rates, and bringing the balance up to {$87000.00}. If the subject of an IBR plan had been discussed when the loan was first consolidated, the interest would not have been capitalized and the principle balance would still be at my original {$61000.00}. Navient 's employees should be held accountable for providing incorrect and harmful information, in this case unnecessarily increasing my debt by {$20000.00}, lengthening the repayment time, and resulting in the removal of the co-signer 's liability. I will be XXXX years old when this debt is dismissed, and I will never have made a dent in the balance, due to the high interest rate on the higher principle. In addition, with the high balance to principle ratio, I will never again be able to buy a car, house, or establish useable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian, XXXX, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681

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 2021-04-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At four times over the past two months and twice in the past week I have been totally shut out of accessing my funds in my NFCU accounts. 

I have several accounts and about {$300000.00} cash in these accounts. I need to move money to pay my tax returns and to meet other obligations. 

Over the past week I personally have on the phone with them literally three hours to no avail. They have recorded call data to substantiate my statements Further in XXXX my NFCU debit card was compromised and they use the same data to verify me ( DOB, SSN, etc! )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home loans, inc., is reporting to all three credit reporting agencies 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX, that I have ( 2 ) two ( 30 ) thirty day lates. This is simply not true. I pay my mortgage on line on their site within the ( 30 ) thirty day billing cycle each month. The first ( 30 ) thirty day late was reported in XX/XX/2019, when I made my payment on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 making it appear as though I was more than ( 30 ) thirty days late. The second time I paid my mortgage on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 which is still within the ( 30 ) thirty day  billing cycle. Caliber Home Loans is making a pattern of this behavior intentionally reporting erroneous information to the credit reporting agencies, damaging my credit and ability to refinance my home with Caliber or any other lender. I have written to the California state attorney general about the first incident in XX/XX/2019 and Im going to write another letter concerning this second incident in XX/XX/2019. This practice and behavior of reporting erroneous information to credit reporting agencies is damaging to me and it inhibits me from moving forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account XXXX. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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: Account status incorrect

Complaint:
I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. Experian changed it to current never late, then Experian changed it back. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed back on my XXXX Credit Report today.

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 2020-12-14
Company: Self Financial Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company has reported the wrong social security on my file so it was not updating asked them to closed account & remove from my credit report. File was open in XXXX of 2020 for the amount of {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: FL
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 regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) Also the number of months for terms changed from 77 to 0! Also not accurate! The other two bureaus are reporting 77.

3 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 

On the previous months report dated XX/XX/XXXX : 1 ) The balance changed again from the months prior to this from {$7300.00} to {$7400.00} which is inaccurate! 
2 ) The terms also went from 0 months to 77 months. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The terms also changed back to 0 which is inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate! 
2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate!

3 ) The terms also went to 0 instead of 77! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Wells cargo closed my account without me knowing 2years ago.

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 2020-06-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

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