BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX, XXXX. 
Under Dispute XXXX XXXX XXXX Under Dispute XXXX XXXX SERVICING Under Dispute XXXX Under Dispute SXXXX XXXX XXXX Under Dispute XXXX  XXXX XXXX XXXX Under Dispute The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1955 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-12-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing as open with a XXXX dollar past due despite them being paid out in full by nationwide in XXXX XXXX XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. our oldest dare and these yet is such XXXX XXXX we shall see when the XXXX has all the facts. Guess what yall?! More violations from the the XXXX XXXX stemmed. ll, Violation # XXXX Improper and inconsistent first date of delinquency does not match! So ah XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # XXXX How can the first day of delinquency br on the same day the services were provided? So they are all wrong - these clown cant seem to get it right after all these disputes! its their bills that probe its all wrong!

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 2022-01-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Rocket Mortgage, LLC
State: DE
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:
Today XX/XX/2021 I spoke with XXXX XXXX XXXX XXXX Mortgage Banker Telephone : ( XXXX ) XXXX XXXX XXXX  XXXX from RocketMortgage.com, I advised her I was looking for a home equity loan, we went over why I needed the funds, and she went on with the application processed as she advised that's something she can do, I gave her authorization to pull my credit report, at which point she advised me I am approved for a refinance, ( the only way quickens loan can assist me is for me to refinance my entire mortgage ), I asked her why did she mislead me into having my credit pulled when my first question to her was does your company offer Home Equity Loans, I wasn't looking to refinance, I advised XXXX the funds are being used to purchase an investment property that I am not certain it will go happened as of yet, just want to have the cash on hand, and that I am not looking to add debt to my home that might not be necessary. I asked XXXX for the company name that pulls their credit report, as I want to dispute the invalid inquiry she did. I contact XXXX XXXX  XXXX, spoke with XXXX and advised her of the misleading information I was given, and how I am being force to a product that I specifically stated during my conservation with XXXX I did not need or required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Few months ago I did a routine check on my credit score, which is normally around XXXX, the day I checked it it was about XXXX, not good. After hours of going though my bills and then downloading XXXX I finally figured out that XXXX XXXX sent an account to collections in my name. I immediately went to the XXXX office and spoke with a representative, she confirmed that I had no past due bills, and didn't owe anything. I called the debt collection agency, IC systems they told me they couldn't find the reason why I owed the money, on a side note they also had my address listed as a house I haven't lived in in over 5 years which would explain why I never received a notice. At that point I just used XXXX to remove the debt from my record which they did, but I am still receiving settlement offers from IC Systems. Also on the XXXX website I can only look at statements from 6 months ago or sooner, how the heck am I supposed to prove I've paid my bills when I can't even access the receipts? Everybody should know that XXXX XXXX absolutely decimated my credit score and they won't even so much as give me an apology, they literally couldn't care any less about their customers. I'd say stay away from XXXX but who else can you get internet service from?

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX Balance : {$6500.00} ; DEPT OF ED/XXXX XXXX Balance : {$3400.00} ;

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 2020-01-07
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I set up an Income Driven repayment plan in XX/XX/2019 and have made two payments with the adjusted amounts. When I went to pay my bill in XXXX, the Navient website no longer shows my adjusted amount, but the full amount I would be paying without the IDR plan. When I called, I was told this is a new thing they are doing and the larger amount reflects fees, even though I am not supposed to be paying late fees. This is not noted at all on my account and now there is no evidence of my income driven repayment plan on my account. 

I was told to go ahead and make the payments I had been and there would be no penalties, however, the website is going to say I am late on my payment. 

Why isn't Navient required to show me my income driven repayment information on my online billing?? This makes it more difficult to accurately and timely pay my bill. 

My adjusted amount is {$190.00} and now I am being told my bill is {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX  Financed by Capital one Bank I took it out on XX/XX/XXXX, in XXXX I was a XXXX XXXX XXXX XXXXXXXX and I moved to the city with my XXXX XXXX, who was XXXX XXXX XXXX at the time, I moved from XXXX  to XXXX XXXX XXXXXXXX I couldn't pay the monthly payments to Capital One anymore, so I decided to call the bank and give them the car. My last payment was in XX/XX/XXXX. 
In XX/XX/XXXX, they repossessed the car that was parked in the garage of the house that I currently live in, in XX/XX/XXXX I received a call from Capital one which told me that they had sold the car, they never sent me any letter or document that said that I owed Capital one, I wanted to see my credit and I saw that Capital one in XXXX He put me in collection immediately I called and they told me that my debt was current I told him it can't be because you sold the car and I never received any document that says I owe the final Agent didn't help me and I do not know what to do, I need help because they are destroying my credit and I don't know what to do. 

When I called Capital One it was to ask for an explanation and they would help me and what they did was send me a document to my email saying that I had called to validate my account That's why I ask for an investigation I can not financially afford a lawyer Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CIT BANK, NATIONAL ASSOCIATION
State: NE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have done all of my Banking at Mutual of Omaha ( formally XXXX XXXX XXXX  ) Now, since CIT Bank bought out Mutual of Omaha the personal touch was gone. The bank is only open XXXX to XXXX Monday through Friday, No Saturday 's by appointment only! Then they shut down the bank that had a drive through which too became a major inconvenience, since I work Monday through Friday XXXX until XXXX. On XX/XX/XXXX, I contacted another bank to refinance my home because of a better mortgage rate. However, since I have always done the majority of my banking at Mutual I also had a HELOC along with many other accounts. 

With that being said I was planning on keeping my HELOC with CIT at the time. Unfortunately, CIT never would contact my credit union to get a subordinate letter or form signed, which went on back and forth for several months. The contact person at CIT location at XXXX XXXX XXXX were XXXX XXXX & XXXX XXXX. They were great to work with but still nothing was getting accomplished. 

This resulted in me taking out a loan at my credit union and completely closing my HELOC at CIT in the middle of XX/XX/XXXX. Meanwhile, this has costed me extra fees and interest to both banks to get this accomplished and now I am waiting for a release letter reference my HELOC being paid off and I was told that takes a minimum of three weeks!!

This is outrageous since they have the payoff amount and still not sending the release. I would think a bank would be more customer friendly especially due to the COVID so I could save me from all of the interest & extra fees being generated!! 

This CIT bank is a nightmare and I will not or do not recommend anyone to use them for anything! 

I do have emails and Mr XXXX & Ms XXXX have documentation as well to all of my visits in the bank along with the phone calls trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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  This CFBB Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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 2022-02-02
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
i missed 3 payments called to notify the lender CNAC that i was in a accident and iam on leave from my employer they stated is there anyone else you can barrow to make a payment you are 40 days behind i said iam aware of that and you guys are not calling me you are calling and harrassing my references non stop and that is against the law in XXXX when it comes to any type of collection the CNAC STATED to me that if i do not make a payment of XXXX my car will be repossed i stated i informed you guys a while back made you aware of my situation you stated i have exhausted all the assistance you can provide and ask me to make a payment now i asked to refresh me on the contract that i agreed to and stated what help and or assistance CNAC provided my account with i was told that is confidential i did make a payemt of XXXX and made arrangements for the XXXX my payment schedule is XXXX every 2 weeks i did let them know 3 times i am on emergency medical leave due to a car accident and i need to defer these payments to the end of the loan while i heal and get my medical treatment i then was asked cant your employer barrow you the monies i said excuse me no i stated i do not now iam going to recieve a income pending the doctors evualuation and reccommendations i was put on FMLA LEAVE for 3odays pending my follow up now ineed injections and possibly surgery CNAC calls non stop wont assist and harrasses to repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MO
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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. This CFBB Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since round or about XXXX of 2020 this ESTATE has attempted to settle this alleged debt from Marcus by Goldman Sachs through various lawful methods of payment ( s ) as afforded by the United States Constitution, New Jersey laws and the Uniform Commercial Code, and after having successfully completed an administrative remedy to which Marcus by Goldman Sachs has defaulted, ignored, not responded in a timely manner nor acknowledged any lawful remedies submitted to settle this debt. Despite being defaulted and estopped from all claims against this ESTATE, Marcus by Goldman Sachs have/has relentlessly reported negative information against said ESTATE, and has and continues to harm this ESTATE and is causing and has caused irreparable injuries and defamation, slander and libel ; fraudulent usage of language with it's contract ( s ) as well as the non disclosure of material facts within it's contract ( s ), which immediately nullified, cancelled and terminated any alleged valid contract for such non disclosures against said ESTATE. After having been harassed, threatened and coerced into unlawfully using Federal Reserve Notes to settle said alleged debt and also continuing to send negative reporting to the credit bureaus XXXX, XXXX and XXXX, causing injuries and harm to this ESTATE and myself as the Beneficiary thereof. I am hereby charging Marcus by Goldman Sachs {$10000.00} ( ten thousand dollars in gold or silver or it's equivalent in U.S.D. ) per day nun pro tunc for each credit reporting agency since it's first negative reporting to XXXX, XXXX and XXXX and as the Authorized Representative for the Beneficiary of this ESTATE, I now demand that any and all negative report to cease and desist immediately. Please also take judicial notice that this is another ( 3rd ) Notice of Intent to File a Claim against Marcus by Goldman Sachs and the final good faith attempt at clearing the good name of this ESTATE from the defamation, libel and injuries caused by Marcus by Goldman Sachs, as well as pursuance of Marcus by Goldman Sachs ' insurance bond with the F.D.I.C. for any and all damages for violation ( s ) mentioned in the 2 uploaded files. Marcus by Goldman Sachs is now guilty of Breach of Trust as breach of their fiduciary duties as Securities Intermediaries and trustee for the ESTATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
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:
Experian credit report is XXXX I have a credit application to XXXX XXXX  XXXX  looked at on XX/XX/2022
It affects my credit score and it was fraud by XXXX or experian. Either one looks bad on my credit report. I have a freeze on my credit report. So I have no idea how it got there. It doesn't matter how it got there it needs to be taken off my experian credit report. Take off the hard inquiry on experian 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 non-monetary relief
Consumer complaint received 2022-02-02
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I did not expect the interest rate of the loan to be over 70 %. I have probably paid off my loan but because of the very high rate, my principal is barely moving. They did not tell me this when I open the loan or explained to me in clear detail what I was signing up for. Net Credit is charging way over the usury rates. I'm paying over 70 %.

Company response to consumer: Closed with explanation