BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Could not contact lenders and no collective bargaining or agreement was ever made with who the current lender is and how to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Self Financial 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:
Greetings I XXXX XXXX am contacting you regarding my self lender credit card account. I am coming in good faith good conscience and good reason in order to settle this matter as peacefully as possible I recently reviewed my consumer report and realized that there were some inaccuracies in your reporting it appears that your company is reporting a late payment on my account from XX/XX/2021. This negative reporting is violating my rights as a consumer violating my right to privacy and has been damaging to my reputation. Under title 15 Usc 1692 this is false and deceptive means of collecting a debt as well as unfair debt collection practices. I enjoy your services and by the grace of god I am requesting that this account reporting be updated to paid as agreed and the late payment be removed so that my god given right will no longer be violated so that I may continue on my journey of self determination and the pursuit of happiness. please provide me with an updated report stating that these adjustments have been made to the reporting on my account. Noncompliance and negligence will not be tolerated, violation of my consumer rights will not be tolerated please provide me with the proper information on. how to contact your legal department for all future occurrences that may occur The Account number is XXXX my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a modification with the mortgage company ( Caliber Home Loans ). We submitted complete package in XX/XX/XXXX. The modification cane back with a 5 year lower interest rate, at the end if that term the payment tripled. We called in, and a single point of contact person told us to appeal the decision. We write in again asking for a long term fix. They denied that appeal. They did told us to reapply for another modification, because the first one is off the table. We submitted documents again, the modification payment tripled. We appealed that, and were denied in appeal again. We were told to resubmit, as we did. We submitted on XX/XX/XXXX. We were placed in a forbearance agreement., after waiting thirty days for an answer to the modification. We never agreed to that, or asked for that. Then to cancel that, we had to be recorded saying we refused it, and all rearage would be brought current immediately. Once again not what we asked for. Six months later, we have resubmitted Paper work again for a modification. Each single point if contact has different answers, and no way to get information we need. We are told there is not anyone else to talk to ... a nightmare ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I notified Equifax by U.S. Postal Certified mail that I'm a victim of identity theft and as a result I would like for this Equifax credit bureau to immediately remove, delete or block a long list of unauthorized credit inquiries from my credit file. 

Unfortunately, for almost 2 months and as of this present date, I have not received a written response from Equifax. 

However, after I contacted Equifax twice by phone during this month of XX/XX/XXXX, Equifax has still refused to provide me with their written status or results of my written dispute. 

As I am clearly a victim of identity theft and a victim of the Equifax Data Breach of XX/XX/XXXX, I plan to hold Equifax and all unauthorized creditors liable by filing a huge lawsuit against them, especially since there were no permissible purpose under which these fraudulent credit inquiries were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
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 XXXX, there is a unauthorized inquiry from CBNA on my XXXX 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 2019-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A second foreclosure was initiated XX/XX/2019 by XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF XXXX , XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, XXXX XXXX for {$290000.00} plus interest and other expenses. 
This party is not the lender who initiated my loan. I never made payments to it. I have tried to get information showing that it purchased the note and mortgage for money or showing how it obtained a right to foreclose and I have received no response. 
I am aware that the loan was securitized, but the information I have in that regard does not show this party as the owner in the market.

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 2020-11-10
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:
Inaccurate debt collection Item was first disputed in XX/XX/2020 was successfully deleted from my credit report. Later returned in XX/XX/2020 disputed again in XXXX to Experian but was not removed, mailed certified letter to collection agency XXXX XXXX XXXX on XXXX XXXX ; for debt validation no response received within 30 days. Contacted Experian in XX/XX/2020 to have inaccurate information removed and it has not been completed. XXXX, XXXX {$820.00}.

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 2021-11-10
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX ATTn : Consumer Relations XX/XX/XXXX To Whom it may concern, On XX/XX/XXXX, I wrote to Experian requesting a investigation into items that I believed to be inaccurate inquiries. To date, I have not received a reply from them or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/XXXX, I wrote them a 609 letter and still have no received notification of the investigation. 
This is THIRD request, I will be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to them and they have not complied with my request. I regret that I am being forced to take such action. 

Below XXXX XXXX/ XXXX XXXX - Unauthorized Inquiry Ally Financial - Unauthorized Inquiry x 4 XXXX XXXX XXXX - Unauthorized Inquiry XXXX/XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX - Unauthorized Inquiry I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, 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 2018-01-28
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account since I have never been do the hospital where the collection came from. After months of sending them information I was told my the collector that the account would be deleted. Two weeks later is was deleted. 

Now, months later, the debt has reappeared and they tell me it was just updated and was never deleted and now they want more information. They are super rude and even harassed my mother at her address for years with letters and phone calls before they finally asked her for my phone number. Very unprofessional and are not willing to listen to logic. They just want money, don't care if their information is correct or not. They won't and probably can't even confirm is this doctor even saw me. 

Disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an attempt to take me to court by XXXX XXXX but I do not know if the account is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
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 woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  credit reporting agency removed an account off my credit report. The account is XXXX XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.

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 2019-05-14
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
To Whom it may concern, A fraudulent Inquiry/Identity theft was made on my credit report on XXXX Company in question XXXX XXXX XXXX, l This is not the first attempt on getting this issue cleared, on the day of XXXX I was contacted by Synchrony Bank and I was told that it would be removed right away. 
Months went by and no action was taken. 
I submitted a complaint with the CFPB being your organization and if you look at your records this is an on going unethical performance by SYNCHRONY BANK I received a call from XXXX XXXX XXXX, Senior Specialist Corporate Consumer Relations SYNCHRONY BANK and she advised me that this matter will be taken care of and cleared from all reporting Bureaus.

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 2019-05-14
Company: Experian Information Solutions Inc.
State: NV
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 name is XXXX XXXX and I am a victim of identity theft. There are so many inquiries all of my credit reports. The vast majority of them do not belong to me. Please remove as soon as possible so that I am able to keep good credit. I've worked extremely hard to restore it, and I will let nothing get in the way of that.

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 2020-12-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2020 my account was set up for auto payment and I paid the minimum balance of {$200.00} to my account. Then on XX/XX/XXXX my online account was showing that my account has still not been paid so I paid another {$300.00} because my account was now showing a late fee. Several days later I received a call from a Representative from the bank saying that my account was past due. I then told her I have now made XXXX separate payments in hopes to keep my account in good standing. After several minutes the representative said that she now sees the payments but that they were not " pushing over into my account ''. She then assured me that my account would not be listed as late and my credit would not be affected. 

In XX/XX/2020 I was notified that my credit report was now showing a 30 day late account on my credit bureau. I have tried to contact the company several times to resolve this but I have not been able to find resolution. 

I now can not attain a mortgage because of this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ONLINE Information Services, 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:
This bill was paid in XXXX ; incorrect credit reporting as there was never a collection to be reported in the first place. This collection has dropped my score over 150 points, and now I can not get the house I want due to a collection that should not even exist! Every time I would call to get this resolved and let them know it should be removed, the XXXX was updated, so it just drags my score down even more. I can not even deal with this issue with the creditor because they refuse to listen. This is NOT my collection ; period. I didn't even live there since XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: CO
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 credit company dispute online service is always not working to dispute your incorrect information on report. I have a freeze as well on my credit report with them and to no avail, I can not get a person on the phone at all it's Ludacris.

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 2021-06-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax is the most irresponsible credit bureau in the USA. I ordered a free credit monitor and canceled, they still charged me a fee of {$19.00}. I called this morning and they told me I had to load a state ID and also send in a live picture of myself to prevent fraud. I wish they were this thorough when they deducted the amount from my debit card. They are very irresponsible, I have a state ID and I have to go outside to take a picture, I am currently homeless and staying in a temporary location, I dont have the luxury of taking a picture in privacy, As soon as I woke up I called and they informed me they need all this documentation to refund my money. They go the extra mile for a refund and meanwhile they dont even protect your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX has a credit card on my credit for discover credit card I have a collection from XXXX XXXX company that dont belong to me on my XXXX XXXX report I have Fruad accounts on my XXXX credit report that dont belong to me and it is maken me get turn down from creditors I need all the accounts thats on my identity theft report to be block off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: United PanAm Financial Corp.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This was reported as " CO '' with the last date of activity is year 2017, how come that I see multiple " CO '' along with the multiple " OK '' on my paymebnt history? I'm quite confuse, I'm pretty sure this is inaccurate and must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.

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 2020-12-22
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a 39 month lease with Kia Motors Finance ( KMF ). KMF reported to the credit bureaus that the last payment I made was more than 30 days late. 

I paid off my lease and returned car to dealership where they do an inspection. A month or two later they send me the bill for any excess wear and tear and the turn in fee.

I then proceed to remind KMF that they need to apply my lease insurance and they tell me to wait for new bill. New bill comes and it is due XX/XX/XXXX - I pay the XXXX. Now I found out they reported my XXXX payment as late ... if that is the reason I am even late at all. 

KMF refuses to speak to any customer regarding credit reports.The only way to handle it is to write to KMFs mysterious internal Care department. This clandestine department can not speak to anyone on the phone - customer or KMF employee according to policy.

KMF expects the customer to send a letter via mail and hope after 30 days that the department can properly sort it out and wait for a letter back. If the customer believes their response is not factually accurate they will have to send another letter back. 

KMF has a created a circular highway of purgatory, it is just not right. Especially to a XXXX year old hard working honest young man who took his first car loan out at the age of XXXX thinking he was in good hands, who made every payment on time via auto-pay for 38 months straight, and who just wants a simple straight answer.

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