BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: SC
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 have been disputing incorrect information on my credit reports with XXXX, XXXX  and Equifax for months with no communication or results. I will attach all my letters to prove that I have worked relentlessly to have this work done by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: HONOR FINANCE, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Recently opened a monitoring service and seen that there is this Vehicle loan for {$5000.00} from 2013.I have no association with this loan and have tried to dispute and work this fraudulent loan out with the creditor. The creditor has done nothing to remove this fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: MD
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:
I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.

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 2019-01-17
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Son Graduated in 2007 with debt of {$85000.00}. I am the co-signer and have paid a total of {$98000.00} to date and they say I still owe them {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home in this complain has not been register in the Property Register Office in Puerto Rico since the Original Deed of the whole complex was declared nule by court. This has leave the property without a legal value position and has decreased dramatically in price and is not worth its Mortage value. After hurricane Maria hit Puerto Rico I stopped paying the mortage due to financial difficulties. I reached the bank on several occasions before regarding this Title problem, but was told to me that since I was up to date in payments no problem existed. I have decide that someone has to be held responsible to this legal title problem and subsequent and significant depreciation of value of the property. I was referred to the office of loss mitigation of the Bank ( Banco Popular de Puerto Rico ) over a month ago and explained in details the problem to the advisor. Recent title search verification was showed which details in the document that has not been presented to the Property Registrar office of Puerto Rico.  This has leave me with a property and a mortage without title-deed and value. I was told that the legal department of XXXX XXXX will contact me. I am still waiting ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: TX
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:
AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of 2021, I noticed there were multiple unauthorized, inquires and addresses listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries or addresses. I submitted a letter, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

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 2021-06-01
Company: Experian Information Solutions Inc.
State: TN
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: Problem getting your free annual credit report

Complaint:
I have tried 30 different phone numbers to contact Experian, XXXX  and XXXX for a free Credit Report with no luck. I've also sent emails with no luck. I have an online account with the Bureaus and can't access my online account as well.

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 2019-01-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When attending the XXXX XXXX XXXX XXXX XXXX. I was forced to take Private student loans. The financial aid office stating the federal student loans was not available to any students at this time and that I had to take the private. When taking the loan the financial aid office stated that I would be able to pay off my loans in about 10 years after starting repayment. When I tried to read the loan I was told that they have alot of people waiting and that I can get a copy. When I asked for a copy of the loan they said I can get it after I graduated. I could never get the copies. It has been over 10 years - I have borrowed XXXX paid over 40k and still owe XXXX. The lender is taking 99.9 percent of the money that I pay and applying it only to interest and never applying anything to the principle I have called several times to question this act and they said " if I don't like what I see I should just pay more " and that if I didn't pay they would garnish my income or take my cosigners house away. I have also ask for them to send validation documents of my loans to me and they do not. Out of fear of being attacked I constantly make payments that do nothing. 

This is a prime example of predatory lending practices. I should not have to pay back 100 's of thousands of dollars for a XXXX dollars loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
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:
I opened a dispute with Equifax in reference to a 60/90 late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Equifax to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Equifax accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 60/90 days late. Im requesting Equifax to validate claims with supporting documents. Not verify name, address, and social security #. What im requesting of Equifax can't completed with a teletype.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/2020 which wasthefirstbtime I contacted my lender, planet home lending. I was advised I would at that point be put into forebearance, which I submitted what documentation I had, my letter of termination. My account was not put into forebearance, when I reached out in XXXX regarding COVID. I have tried to reach them at least once a week since then, Via email as well as phone, with NO response. I have recently had to move my elderly XXXX mother in who needs 24 hour care as well as trying to get my business up and running and sitting on hold for over 3 hours is not feasible anymore and need to find out where I stand and what my options are so I dont lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I brought in my information and was approved for a payday loan at AMSCOT located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX The cashier had an attitude. I asked her for an EPP because I wanted to take my time paying it back and the manager entered the conversation and told me ok. She came back 10 minutes later with a letter that refused to give me the payday loan for XXXX. They then told me happy birthday as I walked out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter 3 different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX, I cant say this more emphatically, I have never had a XXXX   account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-05-11
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 status incorrect

Complaint:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2019-01-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
I just pulled my credit report and found that Best Buy/CBNA is reporting that a joint account ( revolving credit card ) that i was the co-signer on is reporting as profit & loss with a balance of {$4700.00}. This came as a complete surprise to me as I have no debt other than a small personal credit card which i pay off monthly. I immediately called Best Buy/CBNA via the phone number listed on best buys website of XXXX and requested information about the amount owed and how i can remedy the situation and bring this to a XXXX balance. It took them around 30 minutes of hunting to even find the debt in question and they could not find it via any of my information and requested that i provide info on the primary borrowers info, at one point including his ss number, whom i co-signed for. I was able to give them his name and the last 4 of the account that shows on the credit report and finally they were able to find the account. Once they found the account they could then only tell me that they show a {$4700.00} balance but that they are not collecting on the debt and as such i could only make a voluntary payment and would need to mail a check to their PO BOX and that i should put the last 4 of my ss # on the check. I expressed that i was not comfortable with this solution and wanted the account number which they refused to give over the phone. I then requested that they send me a statement in the mail which they could not do because they were not collecting on the debt. The best option they would provide, and it took 30+ minutes to even get them to offer this, was to send me a letter stating they were not collecting on the debt. My issue is that the account was closed in XXXX and has had a growing balance for 4 years and at no time have i ever received any documentation, statement or other correspondence from the creditor to inform me that there was a problem ; much less an amount owed and delinquent. It seems completely unfair that they should be able to report to the credit bureaus trashing my otherwise perfect score and credit history that i am delinquent on an account and balance when they have not sent any correspondence to me seeking payment and then when i call to try to make payment I am told they can not take it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company close the accounts and report incorrect balance, I missed my wallet and I called Capital one about the situation, the cards was used not me but they closed the account and report the fraud balance in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have send numerous of letters to this company and have not gotten any response.

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 2019-01-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Nationstar Mortgage ( now called Mr. Cooper ) dated XX/XX/XXXX stating no mortgage payment had been paid " since XX/XX/XXXX '' and " all payments from and including that date '' were due. XXXX XXXX XXXX had the loan at that time and I knew some full and partial payments had been made after XX/XX/XXXX through the time we received a loan permanent loan modification at the beginning of XX/XX/XXXX and we now have documents that we finally received from Nationstar or Mr. Cooper which shows those payments even though Nationstar added {$170000.00} to our loan modification mortgage balance based on their belief that no monies had been received after XX/XX/XXXX. It also said that {$200000.00} had accumulated for late fees, NSF fees and other fees and advances. This may have been a mistake since the then Nationstar Mortgage was taking over the responsibility of so many of the former XXXX XXXX loans, however, I do want it corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
APPLE CARDXXXXGS BANK USA reported a New Bank/Credit Card to your XXXX  Credit File. 


i never got a card and they are now reporting to the bureas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an overdraft on my wellsfargo account that I am disputing. I used to live with my parents when I first started the account and no longer do. Wellsfargo not only repeatedly calls my parents home phone, multiple times a day, but also on one phone call, actually began to speak to my parents about the situation violating my right to privacy by speaking with my mother about my private banking 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 2018-05-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2018 XXXX, Equifax and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A change was made to my mortgage without my knowledge, increasing the monthly payments. No support documentation has been provided to me explain how or why this increase occurred.

Company response to consumer: Closed with explanation