BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
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: Account status incorrect

Complaint:
I have a an overdraft protect line of credit. it is setup for automatic payments. The bank failed to deduct the monthly payment from my account and therefore payment was late. 

I walked in the branch inside a XXXX XXXX XXXX and made a payment. The payment was not posted the account until the XX/XX/XXXX which is 3 days later thus making the account delinquent. 

Funds were in the account, Citizens failed to move money to satisfy {$20.00} monthly payment, thus resulting in 20.00 $ late fee and derogatory reporting to credit bureaus. 

the bank lost {$90.00} that later they found and applied to my account. 

The bank is charging me fees on fees, depleting my account of funds and then reported me late with the intention to damager my credit standing. 
I called and spoke with a lady who open a dispute case for me and gave me a case number XXXX and said in two weeks call to follow up. When i called, i spoke with a rep called XXXX, who was condescending and unhelpful then asked to speak with his supervisor called XXXX who was no help either. None of them could locate my dispute case and wanted to transfer me to different department to start a new dispute. I asked to speak with XXXX 's Manager. XXXX XXXX who is supposed to call me in 2 business days. Another way of saying go away we don't want to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Castle and Cookie Mortgage LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX and Castle & Cooke Mortgage out of the Mississippi location told my borrower she could do a bond loan through XXXX XXXX XXXX XXXX via one of their programs or if that didn't work she could do a loan through the XXXX XXXX. The borrower well exceeds the income guidelines for both programs as well as exceeds the income guidelines for USDA. I spoke with them and told them she did not qualify. I was told they wouldn't be counting her stipend income or her second job income. I contacted all 3 entities and confirmed what I knew to be correct ... this is fraud. The fact they knew her income was too great for the programs they were telling her they would put her under even after she had provided income documentation seems to be a clear cut bait and switch tactic to me. I explained this to the borrower but at this point they pulled the FHA case number the day we tried to pull it and will not transfer it. They are still telling her they can do one of these loans or find something with no down payment. I inquired with them about the programs they offer and no such program exist based on this customer profile. My XXXX # is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a {$700.00} loan from Big Pictures Loans on XX/XX/2022. I have paid a total amount of {$740.00} towards my loan. I am currently unemployed and requested that I make a final payment of {$100.00} and close my account. They have refused to work with me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.

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 2023-06-21
Company: EQUIFAX, INC.
State: NV
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 have reached out to the company and tried multiple times to resolve the issue. They refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit and found an unauthorized account and many unauthorized credit inquiries. I did not GIVE anyone permission to pull a copy of 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 explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, 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:
I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.

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 2023-06-21
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Navient Solutions, LLC.
State: MA
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:
In XX/XX/XXXX I consolidated a group of loans into one which was shown in Sallie Mae 's records as {$81000.00}. Sallie Mae ( " SM '' ) has based its interest and payment levels on a debt much higher -- {$130000.00}. I believe this is based on double counting capitalized interest and numerical errors. The result is that too little of my payments over these 16 years have gone to reduce the debt, which is still listed by Navient as {$83000.00} as of XX/XX/XXXX. 

In addition, when the consolidation occurred SM neglected to remove the original loans from my credit report as paid. Therefore my debt was shown as over {$200000.00}, with costs to me in mortgage and credit card interest rates. 

Their responses over the years have not answered my questions or concerns. The current website report of payments shows the original amount as {$81000.00} but the monthly bill shows the original principal as {$130000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Penn Credit corporation dated XX/XX/XXXX and after few days without any chance to verify my records ( 30 days to ask for verification ) or according to the FDCP nobody gave the change and placed the account in my credit report in a clear violation of the law. 
Previously contactked PennCredit via CFPB to obtain copy of any contract or any documetation to validare any debt but the amswer wad they try to contact me in a old address without any success but now they decide to validate by themself. 
The report show inaccurate information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open and charge using my identity and social. 
See residency letter from shelter during the period open and charge under my name. 
XXXX shows day open XX/XX/XXXX and XXXX  XX/XX/XXXXand during that time I was living in a shelter so the dates obviously are wrong, the amount is wrong and somebody used my information to open the account.. 
PennCredit violate the 30 days period and the Credit Bureau allow them to post false and inaccurate information withou any support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with Selene Finance from XXXX, TX and I'm having problems with them as they won't payoff my Mortgage from a Certified Check I sent them on XX/XX/2018. All I get from them is a 30 day wait letter ( I have many ). Please check all the documents that I have attached concerning this problem and help correct this error from Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: AZ
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 received a lot of information on my credit thats not mines .XXXX XXXX, 3 XXXX  XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: AZ
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: Billing dispute for services

Complaint:
Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.

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 2021-05-22
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report shows the amount owe for the collection company the amount of {$490.00} with original amount {$340.00}. I was told they could not settle the payment but instead I needed to pay {$580.00} in order to have it paid in full and removed from my credit report. After giving rude communication I asked to speak to supervisor who then proceeded to tell me if I was looking for a discount I want not going to get one and theres nothing they can do. I paid the {$580.00} without any problem but was denied to pay the amount my credit report was stating which was {$490.00} I overpaid because Fidelity said it was a must I had to. Not cool

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: CA
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 requested verification under federal law asking Experian, XXXX and XXXX to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.

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 2023-04-08
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FOCUS RECEIVABLES MANAGEMENT HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Nelnet, Inc.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Experian Information Solutions Inc.
State: AZ
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:
The following XXXX AZ XXXX XXXX credit card account listed on my XXXX XXXX, Experian and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : XXXX XXXX, My card is lost/stolen and has fraudulent charges/transactions on the 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
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: AZ
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: Billing dispute for services

Complaint:
Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i disputed this accounts, to tell them that this accounts are not mine. some how some one used my information and i tried to tell them when i filled a complaint and the creditor said it was accurate and i know it is not, here are the one that said that it is accurate MIDLAND FUNDING LLC # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Remarks. Here is how this account appears on your credit report following our investigation XXXX  XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Past Due ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation. 


PR TELEPHONE CO # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation. 


XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRER CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a. Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.
15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXXXXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX account # : XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : 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 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was charged a higher interest rate than others.Not sure why despite my credit score being the good category

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 2023-02-02
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:
Auto Loans {$6200.00} The vehicle in question was total loss. The XXXX auto insurance along with the additional Gap insurance was supposed to cover the entire total loss bill for my vehicle, but this amount is still showing as a debt on my credit report, causing a continuous drop in my credit score.

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 2018-09-25
Company: States Recovery Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by STATES RECOVERY SYSTEMS INC for a old credit card that I believed was inaccurate. The amount in question I stated was in dispute by me as well as the time line. I was told that to prevent future action by them I had to pay {$3000.00} immediately. The collection notice is dated XX/XX/2018. I am extremely concerned they will continue to harass me and make threats.

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 2023-08-15
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX  XXXX XXXX from US Auto Sales on XXXX purchased an extended warranty for {$3500.00} but the warranty is not valid. I called the warranty company twice and was told I had no coverage. One of the calls I was told the warranty was in effect because US Auto either didn't pay or paid with a check that was returned for non sufficient funds. I have checked on the XXXX  DMV and it shows that US Auto is still the lien holder. 

I also paid {$990.00} for GAP waiver contract that isn't in effect either.

Company response to consumer: Closed with explanation