BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Alliance One, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2022 Alliance One in XXXX XXXX Washington posted a {$280.00} debit to my checking account at XXXX XXXX XXXX XXXX and I am not a client if theirs in any way, I do not owe any collections to this company or any other nor have I. I also have never received any form of communication from this company ever and somebody has used my info to pay their collection agency debts and I have no idea who that would be as I am a widow with no obligations. I contacted this company in XX/XX/2022 and they would not let me speak to a supervisor nor the fraud department ( said they dont have a fraud department or any attorneys I could speak to ) and they wouldnt help me at all without me giving them the last 4 of my social security number and the last 4 of my debit card and I absolutely declined to offer my personal information. I did however offer my name and address and they refused. I dont even know if whomever fraudulently used my info used my ( stolen ) card number info or used a ( stolen ) check or made a fraudulent transfer using my ( stolen ) info or if its a hacking, so I refuse to give them my personal info. Please help I am on a fixed income and these people are stealing money from people that are not affiliated with them in any way. Again I am not a client of theirs or any collection agency and have never been. Also checked all three credit reporting agencies and this company nor any collections companies are on my credit. I have excellent credit and it must stay that way. Ive contacted my credit union fraud department, the XXXX  and now I will be contacting the attorneys general in both Oklahoma and Washington state and I am filing a police report and am considering hiring an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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:
This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
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:
There is a mortgage reporting on my credit as a derogatory loan and I have never had a loan with US Bank - this account needs to be removed ASAP as I am applying for a business loan and this was flagged on my credit application. This must belong to someone else. I tried to call and write with no success.

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 2019-07-01
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company has changed. XXXX XXXX XXXX is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX effective XX/XX/2019. XXXX XXXX XXXX ( XXXX ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX XXXX XXXX XXXX XXXX and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by XXXX XXXX XXXX does not work. I called XXXX   and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX   reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have always been able to view my Equifax Credit Report online at Equifax.com ; however, I have not been able to view my credit report for over a month now. 

When I log into my Equifax Account, a pop-up window appears with the code " XXXX '' and tells me that my credit report and score are not available due to a technical error. The pop-up window also tells me to call XXXX and give the agent the code " XXXX. '' It appears that my credit report file is blank. 

I have called Equifax five ( 5 ) times and no one knows why this is happening. Sometimes, I get transferred to other Equifax agents and they can not fix the problem either. I have verified my identity in every way possible, and they even told me to change my password which I did, but none of this fixed the problem. I still can not see my credit report. 

The people at Equifax are not very good in solving problems and it has become frustrating calling them. They are very incompetent. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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:
My information was used without my consent.

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 2019-05-02
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to Transunion in XXXX of 2017. As a result, my XXXX account was frozen and my credit report for Transunion showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with XXXX, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to XXXX  indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, XXXX finally accepted responsibility for the incorrect coding of my account. At that time, I was told by XXXX that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from XXXX remains on my credit report for Transunion and has resulted in a significant decrease in my credit score. I filed a dispute with Transunion, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.

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 2019-02-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am in the process of buying a new car, calling around various dealerships and getting price quotes. Throughout the day yesterday, I spoke on the phone to XXXX XXXX, salesman at XXXX XXXX in XXXX, Illinois. I explained to him, in no uncertain terms, that I am looking for an out-the-door price on a 2019 XXXX XXXX XXXX XXXX. I explicitly stated that I will not be financing through Nissan so DO NOT include any rebates or special offers that are dependent on financing. He indicated that he understood and said he would call back after speaking to his sales manager. He called a few minutes later with a price quote of {$23000.00}. I asked for repeated confirmation that this was the car I was looking for, that the price includes all fees/taxes/registration/etc., and that he understood that I would absolutely NOT be financing through Nissan. HE thought my persistent need for confirmation to be amusing and assured me that he is honest, straightforward, and was not going to give me the runaround.

Low and behold, I arrive at XXXX XXXX a few hours later and it goes something like this : XXXX : Sorry, the price I gave you is only if you finance through Nissan. 
Me : XXXX I told you a thousand times that I would NOT be financing. 
XXXX : Yeah, I know, my bad. It will actually be {$1500.00} more if you're not financing. 

I understand that car salesmen have a reputation for being XXXX but this is getting into very deceptive territory. If you are and entity selling a product ( cars ) AND financing, and a customer calls asking for only the product, it is dishonest, deceptive, and outright XXXX to lure them in with a price that you know you will not sell for. I gave XXXX every opportunity and all the information he needed to give me an accurate price and he chose not to. It is possible to negotiate without being outright dishonest but it looks like this isn't a principle that Nissan holds its employees to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2019-02-05
Company: Recovery Solutions Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me more than ten times in a row nonstop within a few minutes, no break between calls, at XXXX daily during my doctor appointments when I can not answer or whenever. Date XX/XX/2019 and every day before for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My complaint is against Santander consumer for a auto loan on a car that was repossessed my information was entered into the class action lawsuit nj had against them i have not received any restitution or had this loan removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: FL
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:
I had purchased a XXXX travel club membership over 6 years ago. I haven't used the membership and thought it expired when I moved to XXXX from XXXX XXXXy and the credit card expired. Somehow XXXX XXXX was able to get my new credit card information for a card that has not been activated. I don't know how they were able to obtain this information and charge this card. I can't use the card, but they can? And I don't how they have the correct month and expiration date because I hadn't logged into that account in over 5 years. I tried to contact XXXX XXXX to question this and was placed on hold for over 30 minutes each time. This is illegal that they have this information, the card is still attached to the paper it came with along with the sticker on the card. I don't think a credit card company should allow a charge on a card that hasn't been activated. They stated I can't dispute the charge because it is pass the dispute time. I get paperless statements and never saw the charge because the card had {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent INQUIRIES 1. XXXX Inquiry date : XXXX XXXX, XXXX  2. XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX 3. XXXX XXXX Inquiry date : 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 2017-07-07
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX/XXXX/XXXX, I made a payment of {$190.00} from my bank account. Which left me with a balance of {$99.00}. It is now 2 hours to XXXX/XXXX/XXXX and my account has still not been properly updated. It still shows that my balance is {$200.00}. I last spoke to " XXXX '' Acct. Supervisor about 20 minutes ago ( XXXX XXXX ). I am now being told that my payment is in review???? What does that even mean? My previous 17 payments made in the last 4 months were never handled in this manner. Discover had really let me down. They did n't seem to be bothered in how it 's taken so long to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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: Account status incorrect

Complaint:
XXXX XXXX XXXX renewed a equity line after the house had been sold. The account owner had Paid off and closed the account down. To find out the account was opened back up without anyone 's approval and the fee was assessed to the account and was reported as delinquent. The bank was told on several occasions to close the account. Now I 'm having trouble getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I graduated from XXXX in XXXX, MI with a XXXX XXXX in XXXX XXXX in XXXX XXXX in XXXX. Upon graduation i made numerous attempts to obtain employment as they insured they would assist. It never happened all i recieved is notifications from my loan providers about the huge balance i owed them and that the refund checks i was suppose to receive through financial aid that i was advised would be applied through the years back to lenders was never sent but stayed in the account of XXXX as if i sent them a payment personally. 
As a result of not be given the assistance i was told was guaranteed i was never able to get a career in the field i worked so hard for my student loans through board of education, navient, and wherever else XXXX XXXX sent them too have been a aheer nightmare. It has my credit so bad with it being the only thing on it is often impossible to do anything and thats horrible seeing that i have XXXX XXXX XXXX depending on me to take cate of them and myself. XXXX was closed due to years of fraud and false information they promised and did as well as navient and their recent investagations. I feel both too advantage of so many people and to be told your totally responsible even thought we can see it was wrong is a huge slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Recently I filed a complaint with Wells Fargo and I am not happy with the response. Wells Fargo has provided previous bank statements showing another authorized user on my accounts but has not provided any signature cards or any written documentation that proves that " I '' added another person to my account ( s ). The instance of me removing the other user on XXXX XXXX is also questionable as I previously explained this person is a police officer and very manipulative. I attached documents pertaining to a restraining order that I had on this individual for intercepting other accounts. The years in question XXXX are also involved in other legal matters that have been tampered with in another matter. I 've also received notifications from Wells Fargo concerning class actions against the bank for opening accounts without user consent. Again I have a letter from the branch manager saying there is no written documentation of me adding anyone to my account ending XXXX. I have obtained legal representation for this matter as I will continue to pursue intensely.

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 2022-04-04
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
At XXXX XXXX on XX/XX/2022, I deposited {$360.00} in cash at the ATM of Commerce Bank ( XXXX XXXX location ) in XXXX, IL. The bills I deposited were composed of the following 3x {XXXX}, 9x {XXXX}, 3x {XXXX}, 3x {XXXX}. When I deposited this money, the ATM " ate '' the money. I subsequently filed claim ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Regular monthly payments on this loan are due on the first of each month and typically made on the last day of the prior month. When I send in extra principal amounts between payments, I expect the principal to be applied on the amortization schedule between the payments it is actually sent between. Instead, PHFA suspends and reorders payments so as to increase the amount of interest charged. The amount of the difference is regularly less than the value of the hours of effort required to get this corrected on my individual account, but the Agency should not be allowed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Kriya Capital, LLC
State: FL
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:
I have been contacted 2 times by Credence Resource Management and requested bills BOTH times and never get them. The first time I ask for a bill to be sent to be was when they decided upon them self to email it so it was probably deleted, the second call was when they did not send a bill bit offered to setttle the amount due for a different amount. 


The thing XXXX raised red flags for me was it is so hard to get this company to send a bill to my house with so much fraud going on I want to verify the debt not pay a settlement of something I never owed.

Company response to consumer: Closed with non-monetary relief