BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-24
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had took out a loan from Big Picture Loans for the amount of {$550.00}, agreeing that there would be a interest rate and a payback period. I was informed they would take out {$140.00} until the loan was paid off with their interest. I was unable to view the " truth-in-lending '' disclosure in detail until the funds were already in my account and that they would be charging my account 697.0857 % interest and I would not be able to pay off the loan until I paid back {$3100.00}. To date i have paid back {$1000.00} wit only {$31.00} taken off the principal balance. They claim they are an XXXX XXXX and are immune to federal US law. There is no way to pay off your balance in full and I fear that they will try and Refinance and cease to stop taking payments from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Credit Karma, LLC
State: PA
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:
I have two hard inquiries that I have never given permission for, my account was involved with identity theft. I had that resolved from my bank, then I found these two under credit karma. 
XX/XX/2017 : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the number is not available XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX the number is not available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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 information incorrect

Complaint:
My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to Covid-19 and hospitalization, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, NY XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.

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 2017-12-04
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
I contacted Experian on XX/XX/XXXX with assistance in investigating and removing unauthorized credit inquiries. The customer service representative refused to help. 
Here are the inquiries on my Experian report that are unauthorized : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX/ XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/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 2021-09-09
Company: Experian Information Solutions Inc.
State: IN
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit reporXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, also the inquiries are not mine XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.

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 2019-02-13
Company: CITIBANK, N.A.
State: ND
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: Problem with personal statement of dispute

Complaint:
I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later  my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact XXXX and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY

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 2019-02-13
Company: National Commercial Services, 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 status incorrect

Complaint:
I signed a repayment contract on XX/XX/15 stating I owed National Commercial Services Inc. to date {$4300.00} minus a down payment of {$550.00}. This brought the balance of the claim to {$3700.00}. Three days later on XX/XX/15, they changed the amount owed to over {$19000.00}. When I questioned the increase they sent me the all the back up and payments that XXXX XXXX  paid. I kept paying the monthly payment of {$150.00} as I signed the contract and they would threaten to suspend my drivers license and take legal action if did was late or missed a payment. I actually ended up paying National Commercial Services Inc. over {$5000.00} and have stopped any more payments to them. Now they put a chargeback against my credit for {$19000.00} and just this month increased the amount another {$100.00}. They have been paid above what our contract stated. I have attached a copy of the signed contract as well as what was sent to me when I inquired about the amount change.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
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:
XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR XXXX XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Exeter Finance Corp.
State: WA
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 have been disputing this account since XX/XX/2020 and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2015 when contacted the first time by this company I did not know what they were trying to collect and to make all future contact in writing. Today they acknowledge the phone call taking place, claim the note is not on the account. Since that time in XX/XX/2015 they've made over 100 phone calls after being told to add me to their internal DNC list, sometimes 2 to 3 per day over the period of 3 years but have never sent information showing what the debt was they were trying to collect or proof of the debt at all. 

Most of these I simply hung up when I heard the automated dialer click on the phone numbers they were spoofing. 

Today they acknowledged the records of the prior phone calls but claim they never made note that I ever requested to be added to their DNC list even though I've never had a different conversation with their company ever and they are willfully violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency ofXX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA 611 Violation I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX The account is incorrectly reported - Account Number on TransUnion credit report does not match account number from XXXX The account balance reported on TransUnion credit report is inaccurate Please completely remove this inaccurate trade line from my credit report per my rights under the FCRA , Section 611 The attached TransUnion Investigation Results page File Number # XXXX dated XX/XX/2020 states the above trade line as VERIFIED AS ACCURATE AND UPDATED. This is impossible because as I stated in my initial Consumer Protection Bureau complaint # XXXX submitted on XX/XX/2020 the account balance reported by TransUnion is inaccurate. In addition upon further inspection I discovered that the account number funished to TransUnion from XXXX does not match the account number listed on both the attached Paid_in_Full and XXXX Last Balance documents,. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up The date you contacted the individual funishers of information. 
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.

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 2019-02-13
Company: Credit Karma, LLC
State: CT
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:
I am the victim of identity theft. I reported the crime to the police, filed a report with the FTC, and filed all appropriate documents with all credit bureaus and institutions to correct and solve all the myriad of problems that are created by this crime. In the process of investigating I became aware that someone stole my social security number and used it to get reports bi-weekly from CREDIT KARMA, a private credit service. The thief ( thieves ) used these reports to further infiltrate my identity. When I contacted CREDIT KARMA the only customer service is through email ( an unsecure site ) located in a foreign country. I of course refused to give the number. I wanted to speak directly with someone about this fraud. They were unable or unwilling to give me any further information or contacts. I asked for a supervisor to no avail. If this company can easily give out personal financial information and reports with out validating identity then I want to speak with someone. Why are they allowed to conduct business this way? Currently the thieves are still getting reports and applying for loans etc.and I am left with no recourse. Please let everyone know how this company shares its information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: FCI Lender Services Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was facing foreclosure in XXXX and the XXXX XXXX through XXXX XXXX began the process. However, it was stopped and I began making payments of XXXX with the understanding that I would be placed in a program to bring my loan current ( 6 months trial ). In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX XXXX XXXX XXXX and because I was late with one payment, they began the foreclosure process. Even as I continued to make payments, XXXX XXXX sent them back to me and informed me that they were no longer accepting my payments. I've enclosed information that I received from 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 2019-02-13
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke to a lady at CBHV ( collection bureau of the hudson valley inc. ) named XXXX XXXX and she was extremely rude, uncooperative, and would not give me the required contact information i requested. I asked repeatedly for her to calm down and she just kept yelling, interrupting me, and would not let the conversation continue.

Company response to consumer: Closed with non-monetary relief