BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : First National Bank of Omaha AND XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2019-01-08
Company: Nelnet, 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 information incorrect

Complaint:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am trying to get my first credit card it keeps dening me I need some neg marks removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my Equifax CB, I received response from Equifax that this account was verified as accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2023, I sent a check valued at {$9400.00} from my funds drawn on XXXX XXXX XXXX ( XXXX ) which helped to arrange a HELOC for me with my mortgage company, XXXXXXXX XXXX XXXX sent several checks to me after which I mailed them out to the agreed creditors. One check I mailed to Comenity Capital Bank in Texas at : XXXX XXXX XXXX XXXX TX XXXX which is the address on their monthly statements. Comenity holds my XXXX XXXX Credit Card. Comenity has not been helpful after taking more than 90 days to do their research, saying they have no record of the check. XXXX eventually sent me their information showing the check was deposited with XXXX XXXX Utah ( see attached ). I have no business with anything in the State of Utah. I called XXXX and Comenity several times and left several messages with Comenity without them resolving my issue. I suspect Comenity mixed up my check amongst their several retail store accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Over the last year I have been dealing with an unauthorized inquiry from XXXX XXXX. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with XXXX XXXX XXXX. 

I also contacted XXXX, XXXX, and TRANSUNION. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-01
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My grandmother passed. I have lived in her home before and after she passed. I have kept up on all of the house taxes as well as the home insurance. A couple weeks after she passed, my uncle who was power of attorney did a quit claim and put the title to the house in my name, as the will and trust said I would inherit it as a gift. 

On XX/XX/2023 I received a piece of mail I had to sign for, stating that the estate was intend to foreclose because it was in violation of the borrower passing away and in default. I HAD NO IDEA THAT MY GRANDMA EVEN HAD A REVERSE MORGAGE. My uncle did not give me that information. Anyways I have until XX/XX/2023 to pay off the debt or my home will get foreclosed. I NEED TO FIND A WAY TO SAVE MY HOME. It is all I have, I am an individual with XXXX. 
I've read about XXXX LAWSUITS GOING ON AS WELL AS THE COMPANY COMPU LINK WHO TOOK OVER XXXX. IVE CONTACTED ATTORNEYS THEY SAY I MAY HAVE A POSSIBLY LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Santander Consumer USA on XXXX regarding 2 ( {$400.00} ) payments that were applied incorrectly in XX/XX/XXXX. The bulk of the payments were applied to fees and not principal or interest as I was told. I've been informed several times by various Santander employees that the fees on my loan can be paid at the end of my loan without penalty. On XXXX.2021 I was told that the payments would be corrected and readjusted to apply to principal and/or interest within 5-7 days. I called back today on XXXX.2021 to check on the progress because from what could tell online this was not corrected. When I called today, XXXX2021 I was told that they weren't going to reallocate my payments. Because I paid above and beyond my normal payment they actually penalized me by applying funds to fees when that is not why I made extra payments. It's very dishonest especially since I was told that it would be fixed no problem when I called on XXXX.2021 ( they can pull the call recording ). This is very shady and dishonest business practices. I have every intention of paying my loan ( principal, interest and fees ) in full. However, I made extra payments to get ahead on the loan because of covid and we don't know what life is going to bring month to month. So it's horrible that during a global emergency Santander decided to take advantage of the little bit of extra money I had without my consent to fatten their pockets even more. Without regard to my personal situation. Horrible and I will not rest until they fix it and I believe there's a 3rd instance of them taking my payment and applying it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have asked for the information to be deleted and not just and investigation with these accounts. Still violating my rights and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: BB&T CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle in XXXX of XXXX for the amount of what I thought was XXXX. As time went on I noticed that even with consistent payments my vehicle cost remained high. I tried refinancing through the company and getting a better interest rate. The company, Regional Acceptance flat out refused to work with me. I found someone to purchase the vehicle on a later date and was told they could not take over the loan. I then tried again to get my interest rate lowered. They refused. Ive looked into re-financing but because the loan terms are so high there is no way to fix the situation without getting into another bad loan. Ive tried to make principal only payments and was told that is also not an option. It would s now XXXX and I still owe {$11000.00}. When I make payments almost {$200.00} is applied to interest and then the rest goes to the principal. I will never have this XXXX car paid off applying most of the payments to interest instead of principal and they wont allow principal only payments in order to bring the interest down. How can this be okay. If there is a lawsuit filed I want my name on it. When I got the car I had just finished a bankruptcy and I am working diligently at maintaining a positive financial history. After 2 yrs of on time payments they should be willing to work with me. The payments are high and I am having a hard time maintaining the high payment. Especially with the rise in housing costs. Right now my son and I are XXXX  because the high auto payment is hindering my ability to pay for an apartment as well as feed my kid.

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 2023-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 3 ) Credit Acceptance Corp ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX XXXX XXXX  opened on or about XX/XX/XXXX 6 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX  self lender opened onXXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXXXXXX XXXXXXXX opened on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX 6 ) credit acceptance corp opened on XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX 8 ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX XXXX opened on XX/XX/XXXX 2 ) Credit Acceptance opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX  opened onXXXX XXXX XXXX 5 ) XXXX XXXX XXXX opened on XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by 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 2022-01-19
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company services my mortgage loan. On at least eight occasions I have attempted to make payments on the principal. The company has hind, lost and or rejected payments on the the principal even though I paid up to date on the mortgage. 

In XX/XX/2021, I made a payment to this company of {$500.00} to be applied to the principal only. This was made over the phone and the representative said it could be done. ( I have the XXXX XXXX XXXX statement showing this ). The company is now saying that this payment was never made. I have proof of the payment. 

The company is constantly misappropriating my funds. I find that they discriminate against me and my mother. I have constantly had issues with them over payments, fees, and made up changes. 

They have hindered me from paying on the principal. I have documentation showing various misjustices that they have done.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, Upon checking my Trans Union credit report, I found several inquiries on my report that were not created, generated, or authorized by me. I have no knowledge of these companies nor have I applied with any credit from them. I have reached out to each company and they can not tell me who or why these inquiries were generated, As it stands, I am now fearful that these unauthorized inquires are negatively impacting my credit and may hinder me from acquiring credit for me and my family in the future. According to the FCRA, any fraudulent, or incorrect information on my report must be removed immediately upon my request. Therefore, I am requesting that Trans Union make an immediate removal the following inquires on my Trans Union credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information immediately. 

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 non-monetary relief
Consumer complaint received 2023-09-01
Company: AmeriCollect
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent out a Debt validation letter to XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX On XX/XX/2023 I sent out a Debt Validation letter by XXXX XXXX mail with return receipt that was received and signed for on XX/XX/2023 by a XXXX XXXX ( Agent ) of XXXX  to validate an account that is reporting on my credit report and I received NO RESPONSE as of this day XX/XX/2023. This account is currently reporting negatively on my credit report as of now. According to the FDCPA this is a violation and I would like a complaint to be filed also have the situation remedied in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I rented an apartment from the XXXX XXXX I had a XXXX XXXX and XXXX XXXX happen which allowed me to break my lease and leave for my safety. They kept my whole security deposit and is still trying to charge me over XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Bread Financial 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:
Contacted credit company about reporting Inaccurate information, company has not reported in 3 month which is hurting my credit. I have disputed this account multiple time and has can back as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BCI FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21 I received an alert on my XXXX about a car loan, that I didn't authorize, sign for or give my consent for.B.C.I financial group .I called company and they said they would take off my credit report, due to the fact I didn't authorize them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
15 U.S.C. 1681 section A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy and protected consumer rights to privacy and confidentiality under 15 USC 1681 I respectfully ask hat these addresses be removed from my credit report history IMMEDIATELY. Inaccurate address reporting as XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX You in advance, 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 non-monetary relief