BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
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:
Unauthorized inquiries applied to my credit file. I contacted Experian 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Experian liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Experian continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Experian which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. I will absolutely take legal action if Experian ignores my 4th request to remove or correct inaccurate information. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Experian. 

Thanks, 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 2020-06-03
Company: ONEMAIN FINANCE CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I paid a total of {$1200.00} in three extra payments intending to reduce the principal on a loan. Principal was not reduced in accordance with the amount paid. After contacting the company about the discrepancy I was assured that the issue would be addressed.. 
The issue was not addressed satisfactorily but became more confusing. The second attempt to address the issue has been met with delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Still a ridiclous situation with this collection company ; The original company which debt is from never EVER had the intention to send this to collections ; It was supposed to be removed as it the entire situation was mediated by a lawyer with the original management company of the property. I would like for this to be immediately removed as I am no longer responsible for this debt. 

Company claimed that " Mr. XXXX abandoned the unit XX/XX/2014, resulting in unpaid rent and lease termination penalties '' however the unit was never abandoned, and all of this was handled out of the management companies main office who oversaw the property. 

Thank you for doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
They are reporting that I have an account in witch I do not. I have asked several times to have it removed but the refuse to do so.

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 2020-07-02
Company: GREAT WESTERN BANCORP, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I contacted Great Western Bank and they did nothing, so I have filed a complaint with the local police department in Arizona. 

I am providing a large file, which includes documentation and a small document showing my email to XXXX XXXX, the main scammer. 

Please review the documentation and note that there is a similar complaint involving XXXX   XXXX XXXX, but the complaint involving Great Western Bank is for the {$5300.00} and involves money mule XXXX XXXX XXXX XXXX. All this money was wired to the collection of scammers who pretend to be XXXX 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 2018-10-19
Company: DISCOVER BANK
State: GA
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/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
For XX/XX/2021, my income was too low or unstable to pay the monthly payments in full, so I had to make installments ... Nissan Motor Acceptance Corporation extended me for one month but their attitude was inappropriate and they were asking personal questions they shouldn't have asked. Then I started making payments around XX/XX/XXXX or the XXXX to cover XXXX XXXX payment which I did. Then I was going to send 2 installments of XXXX for that month but they stated I have to give them XXXX dollars to prevent recovery/repossession of vehicle. I explained to them about my financial hardship but they showed lack of concern. Then I had to talk to somebody like you to help me handle this situation professionally and legally. I'm awaiting a stimulus check so I can pay the rest of my debt..I only am behingdnow 2 months instead of three.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: AR
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:
A consumer finance account XXXX  is wrongfully being reported on my Experian report. I have no knowledge of such an account and have disputed it with Experian yet they have refused to remove it. This is a fraudulent account and I want it removed!

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 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX responded to complaint XXXX, however has failed to show documentation requested. XXXX XXXX admitted my husband was supposed to open 2 accounts but only opened one. What they did is combine monies from my husbands 401K/IRA with a joint account held by both my husband and myself. Now they say the account was not set up. Essentially, they stole my money, over {$81000.00}. I contacted the man on the response letter and he said he didn't write it and would check into it. I have had no further response. This money in the 401k/IRA now is taxable, unless rectified. I have requested the transfer forms from XXXX XXXX that they sent to XXXX XXXX XXXX to transfer the monies from them to XXXX XXXX.I signed for the transfer and account setup with XXXX XXXX. I contacted them after I was refused log in to access account.They said I had no account with them. XXXX XXXX has participated in theft and refused to address the situation at that time. I have not received any response or the information I requested.

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act Capital One account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Credit company was notified of late payments due to unforeseen circumstances during the months of XXXX and XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019 a loan was processed in the amount of {$1200.00}. The APR was 437.08 % finance charge in the amount of {$3700.00}. The total amount owing was {$4900.00}. The installments were {$410.00} each month beginning on XX/XX/19.I was struggling with my payments each month because half of my finances went toward paying on my debt each month. Therefore, I contacted the lender in hopes that we could renegotiate the contract so that perhaps I may get a reasonable installment plan that I could make good on, but they would not consider adjusting my payments. They informed me that the contract could not be changed and it stands such as it is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year Im XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pro Collect Inc XX/XX/2016 This creditor I do not know. I see a balance they are trying to collect for the original creditor of XXXX XXXX  and sure deposit. I have called this creditor and wrote them several times about this debt. They have not provided any validation to me regarding the debt and the was a court order for only {$850.00} to XXXX. The was a security deposit taken towards this. Yet, they have still not correctly reported this debt. They tried to collect on rent after locking me out of my property after I provided a 30day notice that I would be moving. They then placed the balance of months of the lease as a amount owed and attempted to collect it. I do not know how I owe the sure deposit anything. So i am not sure why they are also trying to collect this in addition to the rent. But this aggressive collections attempts need to stop. Or a formal court hearing needs to be filed. Both accounts are related to same facility and are not separate 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 2018-05-22
Company: EQUIFAX, INC.
State: TN
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:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I request hardship help? XX/XX/XXXX. PHH mortgage services / Ocwen serving only offered Hardship Forbearance Plan for XXXX - XXXX XXXX at this date I will have to pay lump sum of {$2200.00}. I am afraid of losing my home because I will not be able to pay lump sum come XX/XX/XXXX. I had to agree because no other offer. Once again PHH / Ocwen is a predator servicing company. They never correct my escrow amount they are saying I owe {$130000.00} on my home I brought XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a current mortgage with Wells Fargo. They refuse to allow me to take advantage of a lower rate and are discriminating based on there fact that I have a new job. I have many assists to assist with backing up this loan but they would not take those into consideration and will not allow me to write down my current loan. They may also be age discriminatory 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 explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2020-11-13
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: Was not notified of investigation status or results

Complaint:
Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?

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 2022-03-01
Company: EQUIFAX, INC.
State: DE
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 credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account was opened : XX/XX/XXXX Account Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I had 2 checks for {$1600.00} sent to Capital One in XXXX from XXXX XXXX XXXX, XXXX of AL. 

Capital One received and deposited the checks but failed to give me credit for said payments. The XXXX check was deposited on XX/XX/XXXX and the XXXX check was deposited on XX/XX/XXXX 

I have sent proof to Capital One and to XXXX, XXXX, and XXXX  by certify mail several times and Capital One has denied receiving said proof. 

Capital One sent me a letter requesting that I submit proof within 30 days and my attorney fax said proof within the requested time period and they denied receiving it. 

Capital One actions has caused me serious harm in that I am a senior citizen on a fix income and has caused me stress, lowered my credit score, especially showing my account with them as a charge off when in fact I have doubled payed them, I lost lines of credit, pay higher interest rates, and I been denied the opportunity to get into a retirement facility, and I have been refused additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX, I attempted to send {$2600.00} from Binance.US to my XXXX XXXX XXXX Account. Tracking Number is as follows ; Tracking Number ( Order ID : XXXX ) I waited for over ten days before reaching out to Bank XXXX XXXX and Binance.US. Binance does not have a phone number so I had to submit trouble tickets on line. XXXX  XXXX XXXX notified me that I needed to change my name on my Binance account and gave me different numbers to use. According to them, the money sent should have went straight back into my Binance.US account. 

My Binance Complaint tracking numbers are XXXX, XXXX & XXXX ( One reported that I needed my money refunded and the other reported that I needed to change my name from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. 

XXXX USER ID : XXXX Account name : XXXX XXXX XXXX XXXX Bank Account Number : XXXX Routing Number : XXXX To date I have emailed BINANCE at least 7 times with no response other then one message from asking me if I was still having a problem. 

Appreciate your help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.

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