BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Apparently I see that you have not fixed the problem of my account where they are charging me 2 times for mattresses order # XXXX that I bought XX/XX/2017 3 years ago so I have no choice but to take action against you because that is missing of respect towards the client. I'm sorry but I already took legal measures against you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I opened an account 7month ago with BestBuy. I never had an credit card before this, I have owned cars and paid off my cars but not credit cards.

Right after I opened this card I paid off half then went out of town, I lost my wallet and forgot about this card. Now my credit score is low 500 's and I have paid the rest in full 2 days ago.

I have never had credit cards before why is missing a couple payments while I was out of town bring my credit score down to 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 2021-07-08
Company: PENTAGON FEDERAL CREDIT UNION
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:
Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from Pentagon FCUa company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?

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 2019-01-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name XXXX XXXX .... 

I never had an account with XXXX, I don't owe this debt. The lawsuit says I owed a company called Citibank, I never had an account with Citibank either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.

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 2021-07-08
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX XXXXXXXX XXXX/XXXX/EQUIFAX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ; ). Therefore, there are so many errors and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number XXXX has called nonstop and has left constant messages on my cellphone that are usually about 18 seconds long and are completely silent at random times of the day, usually during school hours, and even though they are automatically rejected in calls, they still call. After I looked up the number, it seemed to belong to XXXX XXXX and is widely reported as 'scam ' or illegally calling for fake debts, which led me to not answer. I am on the do not call list and despite that they have called me almost every day for the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Cornerstone Holdings, Inc.
State: AK
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:
To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/2019, XX/XX/2019 asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statute of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Lendmark Financial Services
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Had a personal loan with lendmark financial. Had 3 missed payments due to the online website they have set up not working after they changed my loan number. Thought payments were being paid. Then got a later from them saying it was past due. Called lendmark to explain the issue and they are no help so ended up paying the loan off all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: NY
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 was informed that " hard inquiries '' on my 3 credit reports from XXXX, XXXX  and Experian would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!

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 2020-07-01
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke to National Credit Systems about an apartment eviction account. Informed I never lived at the address, never applied for an apartment or cosigner. The date of birth on their record does not match mine nor does the drivers license number they provided. They refuse to validate the debt or provide me information about the original creditor. 

They told me I had to prove I did not owe the money by mailing them a copy of my drivers license and social security card and a fraud affidavit to them explaining I did not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CORELOGIC INC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were selling property in XXXX, NV in XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXX XXXX to have the tax payment stopped as the payment would be handled through closing. The loan closed on XX/XX/XXXX with the taxes paid through the title company. On XX/XX/XXXX I received a  letter from XXXXXXXX XXXX stating that the tax amount of {$280.00} was disbursed from the escrow account on XX/XX/XXXX and they could not stop the check. Receipt of this letter was after the loan had closed. This resulted in a duplicate payment of the taxes. I was assured that they would receive the funds back when the tax office refunded the money. On XX/XX/XXXXI contacted XXXXXXXX XXXX XXXX XXXX and they told me that had not received the refund and referred me to Corelogic Inc. as the  refund would go to them first as they make the bulk payments for XXXXXXXX XXXX. I called Corelogic Inc. and was told that they had not received the refund from the tax office. I called the tax office and was informed that the refund had not been sent and could take up to 6 weeks. 

OnXX/XX/XXXX, I followed up with XXXXXXXX XXXX and Corelogic and was informed that they had not yet received the refund. I went to the tax office that day and they told me that the refund was going out that day. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX again and again was referred to Corelogic. I spoke with XXXX who told me that the tax office sent the refund to the wrong company which made no sense to me because the tax office told me it would go back to Corelogic. Corelogic told me that the refund went to XXXXXXXX XXXX and they had contacted XXXXXXXX XXXX onXX/XX/XXXX to get them to send the money back but was uncertain how long it would take. I contacted the tax office for verification and the tax office told me that the refund was sent back to Corelogic Refund Department on XX/XX/XXXX. 

My opinion is that Corelogic sent the refund to the wrong Company and they are trying to cover their tracks. I has been over 4 months since this property closed and I am no closer to getting this refund than I was at closing. This is obviously the mistake of Corelogic Inc.

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 2021-07-08
Company: EQUIFAX, INC.
State: NV
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:
To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  Equifax and XXXX  credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXXXXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening.

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser.

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything.

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
On XX/XX/2018 I received a letter from Bank of America XXXX XXXX XXXX XXXX XXXX TX XXXX asking for additional information regarding a charge I disputed in XX/XX/2018. The letter required a respond back by XX/XX/XXXX via mail or fax. On XX/XX/2018, I called Bank of America stating I received their letter in the mail on the evening of XX/XX/2018, the day after they required a written response. The rep noted this in the file and said respond as soon as you can. I faxed my response on XX/XX/2018. I received a letter from Bank of America stating my dispute/claim was denied because I responded after XX/XX/XXXX. This seems illegal and a violation of my right to adequately dispute the charge of {$1700.00}. My card account ending : XXXX. Bank of America Case Number 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 2021-06-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for 3 days to get 2 principal payments on a brand new loan, first payment not due until XX/XX/2021, applied to no avail. A {$5000.00} payment sent and received via email on XXXXwas misapplied and they still do not have it corrected after a minimum of XXXX phone calls and XXXX different levels of escalation. A second wire of {$470000.00} sent and received on XX/XX/2021 that they still have sitting in suspense although I have provided them the wire confirmation. They are now telling me an XXXXxecutive escalation manager has to be assigned and they will call me and then begin working on the issue. They will not tell me when it will be resolved and XXXX employee number XXXX refused to give me her manager, stating first she did not have one, then one was not available when I pressed the issue. 

I have been given nothing but a run around while they play with our money. I did inform them we are entitled to inters from that money until it is applies correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Lending Club Corp
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Harley Davidson Financial Services Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a new Harley Davidson motorcycle in XX/XX/2020. I was excited to get my first bike despite no one informing me of their Military Purchase Plan which has XXXX money down and very low interest rates. Despite having a credit score of over XXXX I got financing for a $ XXXX XXXX through Harley Davidson Financial at a rate of 19.5 % and 72 months with a monthly payment of {$600.00}. Then Covid hit and I had many more expenses than before. I also was given new orders in XX/XX/2020 to report to XXXX XXXX in XXXX from XXXX XXXX in XXXX.All my payments were made on time until XXXX when I requested a forbearance for XXXX and XX/XX/2020. I kept getting phone calls from an unknown number and finally in XXXX Harley Davidson threatened to report me to my superior if I didn't make 2 payments. 
I contacted Harley Davidson several times trying to understand why they reported me 30 and 60 days late during the forbearance. I spoke to 4 different individuals and was treated poorly by several of them. I was being told that I have been negligent in making my payments and was even told that at one point my loan was over 90 days late! They all confirmed eventually that the forbearance was for XXXX and XXXX but failed to explain how it was overlooked and then billed for it. My final conversation was from XXXX who told me that the forbearance was for XXXX and XXXX yet they still show my credit report as being 30 days late in XXXX and 60 days late in XXXX. These lates have seen my credit report drop 100 points and they refuse to do anything about it. I asked about a refi to a lower rate and was denied immediately and I also asked who would refinance motorcycles and no one could give me a name yet Iron Horse is part of Harley Davidson and I was never given their information. I have repeatedly informed them of my financial hardship but they do not care nor are they giving accurate information that changes constantly. They claim to have recorded phone conversations and I would like my recent ones requested because they admit to what I am disputing.

Company response to consumer: Closed with explanation