BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX  and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX , XXXX  , and Experian ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing

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 2018-09-27
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was owed and was with a different collection agency last year. I made arrangements and paid this debt in full, I was promised that it would be off of my credit report within a month of receiving the final payment. I did not hear back from that collection agency, but a few months later I began receiving bills for the same debt but with a different collection agency. I have explained to them that this has been paid, they claim to have no record because they are a different agency, and they still have not corrected their mistake. This debt is paid, and has been paid for months and I can not seem to get this problem solved. Please help me! This new collection company is called AFNI on my credit report and is trying to collect an old paid off XXXX XXXX XXXX bill. Either they are making a mistake or I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

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 2017-08-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Several months ago, I asked for the original loan documents for my student loans serviced by Navient. Navient responded by telling me that they would send the documents to my home address. To date, they have not done so. I have requested these documents multiple times, and have never been provided any proof that the original loan documents actually exist, the amounts of the loans I have taken out, the interest rates I agreed to pay, or any other details I am seeking. I do not understand why Navient can accept my payments every month with no issue but can provide no documentation of the terms, interest rates, or proof that the loans actually exist. I can not review Navient 's performance in servicing these loans if I can not see the original loan documents themselves. I feel this is an unfair and abusive practice, and I hope you investigate this matter under your UDAAP authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Verified via credit file with Transunion and XXXX XXXX XXXX  is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.

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 2018-07-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON EQUIFAX.XXXX  XXXX IS THE LENDER AND ALSO XXXX XXXX IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR XXXX TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER XXXX KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A XXXX AS THIS CAR WHICH WAS " XXXX IN XXXX '' .XXXX USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE. 
XXXX HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE EQUIFAX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, XXXX DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE EQUIFAX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO. 
I WOULD LIKE EQUIFAX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET XXXX NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have Loan With Capital One Finance. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: NCB Management Services Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was part of the identity theft from XXXX  back around XXXX, I've spent a lot of time clearing things up but had trouble with one company called XXXX. I contacted them by phone and letters requesting all information on the account ie ; when was it opened, name address etc ; informing them that I don't beleive that this was my account. I waited 30 days then contacted them by phone and mail and did so for the next 4 months when I finally got the answer that they couldn't be bothered with it, It disappeared off of my credit report. Now come XXXX and I start getting calls and letters from a company calles NCB Management trying to collect on this debt, I informed the company by phone and mail that they bought a fraudulant account but they keep pressing me. The information I have on the company is what I got off of my credit report. NCB Management, XXXX XXXX XXXX, XXXX, PA, XXXX ph # XXXX and the acct # is XXXX, this is all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: FORD MOTOR CREDIT CO.
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:
FORD MOTOR CREDIT, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON XXXX.FORD CREDIT IS THE LENDER AND ALSO FORD MOTORS IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR FORD TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER FORD KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A LEMON AS THIS CAR WHICH WAS " XXXX IN XXXX '' .FORD USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE.

FORD HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE XXXX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, FORD DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE XXXX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO.

I WOULD LIKE XXXX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET FORD NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2019, I wrote to XXXX XXXX XXXX XXXX asking for proof of a late payment that they were reporting to all 3 credit bureaus. I have seen that they did indeed update my account to show current to XXXX and XXXX however, Experian is still showing late which is definitely incorrect and a discrepancy. I would like for the late payment to be removed from my credit report as reported to Experian immediately. The other two are reporting correctly.

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 2018-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried for several days to freeze my account with Equifax. Each time after entering all the required information, a page says the website is " temporarily '' down - try again later. I called a service representative who gave me what she said was an alternative site, but had the same experience. I have tried to freeze every day from Sunday ( Sun. XX/XX/2018 ) through today, Thursday ( XX/XX/2018 ). I had no trouble freezing the account at the other two credit reporting services. Is this a delaying technique hoping those seeking to freeze their account give up? 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off a number of credit cards as a result of selling my home and buying a new one. My XXXX store card had a balance of {$610.00} and a payment of XXXX was received by the credit card company before the due date of XX/XX/27. I then had to pay an additional {$2.00} to close the account. The XXXX card is issued by Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Each month Navient charges me a late fee and my statement clearly shows I paid on time. I've asked for the Navient 's representative to to explain and help me figure out why. Each month I or my wife call and explained the issue. Navient respond by saying it's a glitch in their system. Or they put me on whole for up to 30 minutes which forces me to call back and and start the process over again. In addition, I've applied for Niavent forgiving loan based on me working for a non profit for well over 10 and when I followed up I didn't get much of a explanation from the rep Navient ... ... .Sorry you just don't qualify. Their custom service is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Exeter Finance Corp.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 Exeter Finance Corp were paid in full by XXXX and the cap protection for a auto loan. EXETER Finance promise to report the loan as paid in full. Exeter Finance Corp is still reporting a balance of XXXX owed. Exeter Finance has recently sent an overpayment refund check in the amount of {$220.00} approximately. I have documented proof from Exeter Finance that the  debt has been paid in full. On XX/XX/2018 this account is showing open with a balance after being closed with XXXX balance on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Hi. My name is XXXX XXXX. I am reaching out because I applied for a business card with American Express. They immediately denied the card. American Express hasn't updated my FICO and it isn't reflection on any bureau that I paid off the card. On my recent statement for XXXX, there is a XXXX balance. I used the card today at XXXX, but that was under XXXX and under 20 % utilization. I have also paid off all of my other cards as well. Also, they are supposed to look at my personal card history in addition to that. It also mentioned inquiries, but Amex is a cause of a few of those inquiries. I would like this application reconsidered and evaluated by a person. 

I do not have any late payments. I look forward to hearing from someone. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I signed up for a credit card for XXXX XXXX on XX/XX/2018 and I was not informed by the cashier that the card was going to be charged for the transaction that day. I also paid cash for the items that I bought that day. I later find out that the card was used the same day that I signed up for the card, so went to back to the store and told them that I didnt use the card and I paid cash for what I was purchasing. They tried to look up the transaction but told me that the transaction was too old to have an record of it. I was then told to call customer service for details of that transaction and I did call and I was told that they were going to investigate the incident. A few months later and I call back and I am informed that my debt has increased and has affected my credit tremendously, my debt was on collection and there was no other solution but to pay for it. I was really upset that they didnt look into the incident and just but my debt into collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a collection account ( XXXX ) from XXXX XXXX XXXX on my credit file that do not belong to me. After reaching out to this collection agency they have failed to verify this account. XXXX XXXX XXXX subsequently has agreed to remove all information regarding this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have been with Ameritech since XX/XX/2016. I was told that this payment would go towards a larger payment for so many years and then my loan would be forgiven. Today, after I told them that I received information that they were not doing that, they said, " We have always said we don't pay towards the loan, '' which is not how they sold me to be a part of this program. I have given them well close to 1500, and not one penny has went to my loans. I feel decieved. The supervisor told me not to terminate membership because I am almost done with some type of fees, that would guarantee me my loan forgiveness. I am a single mother struggling to make ends meet, and then to find out, all my money was given to a service that I have never used, XXXX. Throughout all three years, I have never used the service. At one point, I thought it was spam. He would not give me any refund, not even the payment they took today. I also can not contact XXXX, they will not answer. Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm quite disappointed with Nissan Motor Acceptance since they are reporting several lates on my credit report. Since I didn't feel these are accurate I requested statements of the months I was late perhaps payments were misapplied. The months i'm referring to is : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these 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 non-monetary relief
Consumer complaint received 2018-09-27
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company- debt recovery solutions Amount- {$940.00} and {$280.00} Disputed these two account more then 2 times. I had health coverage everything was giving at the time of at the hospital Photo ID and health insurance card they are claiming that they have sent me letter and insurance never paid which is not true its was taking off my refit 2 times the 3 to 4 month after another collection company picks up the account which dropped my credit 68 points that is very bad speacially when Im trying to start a family. Please help take action against these people when I try to call they tell I have to settle and pay when in try to explain what had happened they hang up the phone very unprofessional. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX, XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$3800.00} XXXX/XXXX   XXXX {$740.00}

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 explanation