BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted Experian and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with Experian and XXXX and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from XXXX XXXX  XXXX as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and Experian still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of 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 non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/2015 I submitted a complaint against Santander Consumer USA in regards to overcharging me for an auto loan. There response was that the issue would be resolved within 60 days. It has been almost 1 year since then, and I have yet to be refunded any of the money I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: GA
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:
ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I Fax Seterus a letter requesting an explanation of the PMI. My loan was with XXXX before it got transfer to Seterus on XX/XX/XXXX. When I was with XXXX I never paid for a PMI everything was included in my escrow. Few months after my loan was transfer to Seterus they started to charge me a PMI sinceXX/XX/XXXX. I have not received any explanation yet from Seterus. How is this possible that after my loan got transfer Seterus decided to place a PMI. When I enquirer the loan with XXXX my investor XXXX XXXX did not request a PMI. Because I would of had it in writing and is not. This is also one of the main reasons I have not being able to take any trial offer, because of the PMI my payment increases more then what I was paying before I started to fall behind on my mortgage. Please help me to get a detail explanation. Thank you.

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 2023-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
incorrect information on all three credit Bureaus. they all have different reporting on my credit reports like collections. please remove all accounts that are not showing the same on all credit Bureaus. according to law 15 U.S CODE 1681 A 1 A. also 15 U.S code 1679 c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a rXXXX XXXX XXXX and received a Preapproval letter from XXXX XXXX of Veterans United Home Loans that did not indicate the buyer had to sell/close on another property to qualify for his loan. Our closing was delayed 13 days because of XXXX XXXX 's failure to disclose this information.

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 2020-11-20
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:
I wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: NC
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 - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Experian - I have sent over 4 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/XXXX - XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( Experian and XXXX ) by Certified Mail Return Receipt to remove inaccurate 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 2023-01-27
Company: CORELOGIC INC
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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

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 2020-10-29
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive contacted this company several of times attempting to settle this debt owed. On, today XX/XX/XXXX at XXXX I spoke with an agent by the name of XXXX XXXX in which he gave me on a monitored and recorded line, stating that Ill receive a settlement letter sent via email today before my payment is processed on tomorrow XX/XX/30. The only letter that I received was a confirmation letter in regards to the payments set up. Being that Ive been given deceptive information several of times from this company I am requesting this settlement letter to be sent before any payments are taken out of my account and I want this item removed from my credit as the agent who set up my settlement stated. Otherwise I will be forced to seek further action ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, 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 sent to collections {$680.00}, now XXXX XXXX  XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My dad left me an IRA upon his death at US Bank and one at Edward Jones. I spoke with US Bank and on a number of occasions and told them I wanted it rolled over into the IRA at Edward Jones. Because my dad 's name is still on this account, according to Edward Jones, that is possible. US Bank would not do a transfer, they said something about it being too complicated and it would be easier to send me a check. I told them I did n't want to get taxed on it and if we did it this way, would I be able to roll it over into this other IRA at Edward Jones and they said yes, I would have 30 days to do so. They wrote the check out to me, I deposited it and went in to Edward Jones to write them a check, but they told me the check from US Bank had to be made out to me and to Edward Jones in order for it to roll over. Now, when I normally get tax money back from the government, I have to pay {$2900.00} in taxes because this approx. {$12000.00} in IRA money got taxed since I could n't roll it over. I called US Bank wanting to send them the money back so they could re-issue the check correctly, but I was told by my tax preparer that US Bank ca n't do that. I think they should have to pay my taxes since I made it clear to them I wanted to roll it over they clearly handled it the wrong way. When I call US Bank, I keep getting referred to the woman who told me wrong in the first place ( XXXX XXXX XXXX ). Does she not have a supervisor I can talk to? I know in filing a complaint, US Bank may contact me, but at this point, I really do n't want to talk to them. All the evidence needed should be in the notes of my phone calls to them and in the recordings of the actual calls. My contact with them first started in XXXX or XXXX of 2016. They told my sister the same thing with her portion of the IRA, but her other investing company caught the error before she deposited her check so after a number of phone calls and forms, US Bank finally re-issued her a check made out to her and to her other investing company. US Bank is saying that because I deposited my check, there is n't anything they can do and I 'm the one who signed saying I wanted the check. I signed it because they told me that is what I had to do to get it rolled over into this other IRA at Edward Jones.

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 monetary relief
Consumer complaint received 2023-01-28
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 have previously filed a complaint on this same issue previously. Nelnet is still reporting 120 days past due on my XXXX credit report. Account # XXXX. This account was opened on XX/XX/XXXX, it was last updated on XX/XX/XXXX negatively. I previously requested for this item to be deleted. This is a old trade line, yet this item is affecting my credit score. I made contact with Nelnet, regarding this account I was provided no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: OneMain Finance Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My car finance company called to thank me for paying on time for the past 4 months and asked if I would like to lower my interest rate. I had to take another call and in that time he ran my credit without my permission. He called me back and said he can lower my interest rate to 20 % after looking at my credit. I paused and explained I never gave permission for my credit to be run. Im in the middle of looking for a new home and having a baby in XXXX so I would never allow my credit to be viewed while Im in this process because a home is more important right now. He apologized for doing this and said he has never done this before without permission and this was the first time. He gave me the number to the credit bureau to file a dispute but the credit bureau said they cant remove it but that only the financial institution can which he told me that he couldnt. One Main Financial is the company that ran my credit without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: MS
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:
Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from XXXX XXXX XXXX dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to Transunion and XXXX  on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: OR
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 am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires.

I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger.

Can we possibly prove them 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 2023-01-27
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation