BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX, I obtained a loan from OneMain Financial. I made biweekly payments in the amount of {$92.00} for an entire year. In XX/XX/XXXX, I signed up with a debt consolidation company which then reduced my payments to OneMain to $ XXXX monthly, in which OneMain agreed with. In XX/XX/XXXX, I notified OneMain that I had satisfied my debt consolidation and would like to begin making payments on my own ( instead of giving money to the debt consolidation to pay my creditors ). I established biweekly payments with OneMain in the amount of {$76.00} for a total of {$150.00} a month. At this time my balance was {$4700.00} after 3 months of making payments, I noticed that my balance did not budge. I emailed and called OneMain about this and they claimed that they would update my balance. XXXX I sent OneMain a certified letter requesting that they provide me with the correct balance owed or I will stop making payments. They never responded to my letter and did not update my correct balance owed and have now filed a Warrant in debt judgement against me. I plan to fight this judgement as they are claiming an incorrect balance owed. I have read plenty of other complaints against OneMain of the same tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
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:
I owe XXXX on XXXX XXXX/ XXXX the Exuifax shows 10 different accounts equal to XXXX i disputed but the Exuifax will not fix the issue many times i tried no luck i can provide further info about this, i tried to contact the XXXX they will not help The XXXX , XXXX XXXX   XXXX is closed ACCOUNTS but they refuse to update I WANT THIS UPDATED, AND I GOT A LAWYER INVOLVED AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
XXXX is currently reporting I owe XXXX XXXX XXXX XXXX XXXX the date of last activity is XXXX. However, I do not owe XXXX this amount of money. I have disputed the debt in XXXX. I did not get a response from XXXX but XXXX and XXXX removed the account off my credit report. 

According, to the Federal Fair Credit reporting agency all three bureaus, are supposed to report accurate information. As well as, take 30 days to validate the debt or remove it. I have not received an accurate credit report from XXXX. I have not received a determination from XXXX on this XXXX credit card account. 

I contact XXXX about this credit card information XXXX XXXX XXXX XXXX XXXX, VA XXXX. They are not reporting this information was ever reported to XXXX. My goal is to build up enough evidence about the reporting of XXXX American people on how these reporting agencies target us and refuse to follow the law. I plan on suing all three credit bureaus on unfair reporting of consistent incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a promotion e-mail from American Express Delta SkyMiles around middle of the XXXX to use there credit card when you purchase travel ticket and get the first checking luggage free. 

Earlier XXXX, I called American Express to confirm this promotion and the customer service told me it's true promotion when you use there American Express Gold card to purchase the traveling ticket. 
I purchased my ticket around XXXX and XX/XX/XXXX. I called XXXX XXXX customer service at least 3 to 4 times to confirm the American Express Delta Gold card promotion. Likewise I called American Express customer service also 4 times where one person told me that if XXXX XXXX charge me for the first luggage American Express will reimburse me. I remembered that I called both on XX/XX/XXXX before I travel out. My phone record will proof of my contact with both partners. 
I had a receipt charged {$200.00} for the 3 luggage. I flew international flight and I am require to 2 luggage 's regardless. I called American Express to dispute the charge and I was giving credit with an e-mail conformation of the credit. A month later, the charge was put back to my account. I called American Express card customer service supervisor that promise to investigate and states to call me back in two weeks. Until now, there was know nobody call me to solve the issue till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Prestige Financial out of XXXX XXXX XXXX Utah sold my car after I did a voluntary repo. They are now trying to sue me for over {$16000.00}, reported on my credit and that car is not even worth XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, 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:
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity  theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-12-10
Company: EQUIFAX, INC.
State: SC
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:
On XXXX XX/XX/2018 on this Portal Equifax stated they performed an investigation and verified inaccurate information on 2 XXXX XXXX  credit card accounts. Equifax FAILED TO PROVIDE THEIR METHOD Of VERIFICATION as requested in the attachment that Equifax signed via CERTIFIED MAIL on 3 XX/XX/2018. Equifax continues to verify without a METHOD. I sent the letter attached to obtain information to support my small claims lawsuit against Equifax. For my records I am maintaining all of the documents through this portal. Equifax please reply via mail as requested from the document signed by your company on XXXX XX/XX/2018 the persons and documents afforded from chase bank that you have used to continually update inaccurate unverified information on my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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: Account information incorrect

Complaint:
XXXX XXXX is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud  alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: FL
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:
CFPB and Experian, This is a *new* claim with *new* updated information - attached to this *new* complaint are a letter from me, copy of my drivers license, proof of social security number, mailing address, letter from XXXX XXXX to remove my late pays, and todays full credit report showing the late pays from XXXX XXXX as well as a creditor I am challenging as mine. Please have this handled immediately as this is damaging my credit and I am buying a home.

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 2018-04-23
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In late XX/XX/XXXXor early XX/XX/XXXX, I opened a XXXX credit card with XXXX XXXX XXXX with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXX I was notified by GCFS that they had purchased by debt from XXXX XXXX and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by GCFS. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of GCFS. Last week, my bank account at XXXX was levied and GCFS will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with GCFS had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.

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 2018-06-27
Company: Experian Information Solutions 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:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

Experian continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

Experian has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

Experian is now in violation of the FCRA and continues to be in 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 explanation
Consumer complaint received 2021-05-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper made 2 unauthorized deductions from my checking account - XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2800.00} and 2 deposits XX/XX/XXXX + {$2800.00} XX/XX/XXXX + {$2800.00} I am not signed up for auto pay and they are not authorized to do this. I paid my mortgage payment XX/XX/XXXX in the amount of {$2800.00}. 

I do not believe the explanation of a " third party '' error. This must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Account Control Technology, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
{$5000.00} was garnished from my income tax to be " applied '' towards my loan. There is now no record or indication that the money was applied towards my account at all. No one can give me information and I want to figure out who mishandled my funds which is causing me current financial distress and debt.

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 2020-08-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX submitted complaint no XXXX on problems during payment process making it difficult to make payment due to portal issues and bad customer service. That was part of the total complaint. The second part was not resolved. That is the nature of this complaint. Escrow account increased as it relates to insurance from XXXX to XXXX per year. After review of insurance with XXXX agent, net increase on all insurance coverages and not all paid by escrow was {$1000.00}. A difference between XXXX and XXXX insurance of {$2600.00} while actual insurance is significantly less than that amount. Need cfpb to impose sanctions or something to make this lender stop these practices since it appears that they have no respect for customers and oversight agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: AL
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX ACCOUNT # XXXX To Whom It May Concern : IT IS TOTALLY RIDICULOUS THAT AN AUTOMATED PAYMENT OF {$220.00} WAS TAKEN OUT OF MY ACCOUNT WHEN I ONLY OWED {$93.00}. THE EXCUSE GIVEN IS EVEN MORE RIDICULOUS BY XXXX  AND XXXX AGENT # XXXX. IF I DO NOT OWE BUT {$93.00} THEN THAT IS WHAT SHOULD HAVE BEEN TAKEN. I REQUESTED THAT THIS BE IMMEDIATELY REFUNDED OR CREDITED TO MY ACCOUNT AND WAS TOLD THAT IT WOULD TAKE UP TO 30 DAYS. IF YOU CAN AUTOMATICALLY RECEIVE MY MONEY WHY CANT YOU AUTOMATICALLY REFUND MY MONEY.

I CALLED ABOUT MY LAST PAYMENT BEFORE IT WAS DUE AND NONE OF YOUR EMPLOYEES INFORMED ME THAT I SHOULD STOP THE AUTOMATIC WITHDRAWAL AND / OR CHANGE IT TO THE AMOUNT THAT I OWED. EVEN SO, YOUR SYSTEM SHOULD NOT TAKE MONEY THAT IS NOT OWED.

I AM SENDING THIS LETTER TO THE STATE DEPARTMENT AND ANYONE ELSE THAT WILL TAKE ACTION SO THAT THIS WILL NOT HAPPEN AGAIN TO ANYONE OF YOUR CUSTOMERS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX CC STATE OF XXXX

Company response to consumer: Closed with monetary relief