BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: LendingUSA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a complaint of in accurate late payment from Lendusa. They had 1 late payment listed for XX/XX/2019. Now all of a sudden I have 3 late payments from XXXX, XXXX and XX/XX/2019. This is causing a affect on my report in the midst of purchasing a home. I have never been late and had agreement for a deferral. I have contract and email. How can they all of a sudden report 3 late payments a year later this dont make any ethical sense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never authorized, consented to nor benefited, from the following accounts/injuries, please remove the following within 4 business days pursuant to 15 USC 1681 : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-08-12
Company: WELLS FARGO & COMPANY
State: AL
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:
WELLS FARGO HOME MORTGAGE is listed on my credit reports showing i owe a balance.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have fraudulent address reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: FIRST ADVANTAGE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The current address, previous addresses, and dates are inconsistent with the information submitted for my background check on XX/XX/2019. Two of the addresses are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter dated XXXX/XXXX/XXXX, indicating that I was eligible to receive a 50 % discount of the debt and have the debt deleted from my credit report. The original debt is {$3000.00} ; discounted is {$1500.00}. I responded on XXXX/XXXX/XXXX, the due date as indicated on the letter, by phone and was told that they would not speak to me and that I had to send an email to " XXXXXXXXXXXX ''. I requested a payment plan and offered to pay {$35.00} per month beginning XXXX. 

On XXXX/XXXX/XXXX, I sent a follow-up email as I had received no response. 

On XXXX/XXXX/XXXX, I received a response indicating that I owed the entire balance of over {$3000.00}. I responded back immediately and asked them to review my initial email. 

On XXXX, I received a response indicating I owed the entire amount.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 2019-08-12
Company: I.C. System, 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: Account status incorrect

Complaint:
Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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 was shocked when I reviewed my credit report and found late payments with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
BK OF AMER - XXXX and XX/XX/2018 2018

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 2019-08-12
Company: Nelnet, Inc.
State: OH
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:
Nelnet is purposely reporting my student loan with XXXX, XXXX, and XXXX in a negative status. Nelnet is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with Nelnet was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years Nelnet still reporting negative on my credit reports. I am furnishing proof of my complaint against Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another inquiry from XXXX XXXX  that has an inquiry date of XX/XX/XXXX and another one from XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another one  from XXXX/XXXX that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( TRANSUNION ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if XXXX XXXX  claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.

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 2020-07-08
Company: EQUIFAX, INC.
State: GA
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 MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Not being able to be approved for a short term loan from a reputable company I turned to online loans thinking that it would be a better choice that a typical cash advance store. Running through the steps in this whirlwind trying to get rent paid ( even though I solidly work 40+ hours a week at XXXX , have a humble apartment and do not live outside my means ) I stumbled across the world of online consumer loans. Cash now-worry about the details later. They explained the long term agreement over the course of a year, foolishly thinking I will have paid it off by then. I borrowed {$400.00} from Inbox Loan. I have made 5 payments already since XXXX of {$120.00} every 2 weeks on my payday. The long term agreement is literally {$120.00} every two weeks for a year. That is well over {$2000.00} for a {$400.00} loan. Im crying because I cant believe how this system works how businesses are allowed to operate like that. I cant even access my original loan agreement by the way because the link expired. I dont understand as a working adult with the only thing negatively affecting her credit score or unpaid unmanageable student loans can not be given the opportunity to consolidate debt with any reasonable accredited business. I am only a number, only a credit history, only a piece of paper though I am not defined as a incredibly hard working mom who IS dependable-that wants to earnestly rebuild my credit, my life, and be responsible. I need help yet no one has my best interest in mind. I dont think writing this will be a call for finally someone to believe and recognize the potential in me and help me fix things, nor to I think this little letter will change a broken system. But I want to be heard, I deserve to be heard, and I will work to be heard. To give a voice to the hardworking Americans who have more potential in them than they could ever even realize. We are what makes everything move, the engine that powers nations the world. And we deserve to be given a chance to change our lives thus changing the world. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I saw an alert on my credit report for an account from XXXX XXXX XXXX XXXX, Original Creditor 14 Santander Consumer USA Inc. on my XXXX, XXXX  and possibly on my XXXX  report for {$8500.00}. Fraudulent account with different balances that keep popping up on my report. I am in the process of disputing and they placed this on my account without notifying me. In addition, I have found Santander to be threatening, harassing and involved in unethical business practices, violating the FDCPA laws. This has affected my reputation, caused me emotional stress and has been damaging to my scores. Please delete these accounts immediately from all three of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Motolease, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this information before by requesting documentation and have not received a response. I have paid off this lease and have received the title for the vehicle. My credit report shows lease paid off but they are reporting it 120+ days past due. THis is what I have requested documentation of but never received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. XXXX account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. Comenity bank I had a torrid credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
on XX/XX/2020 I called Santander Consumer USA to find out options about my car loan and the debt since the call is recorded I explain the Telephonic Agent the situation that New Yorkers and the whole world about the Pandemic and the struggles to handle hardship financial matters how can be possible that they are charging interests and fees during pandemic? 

I had to sign another extension in order to get the account current, which in the mean time for 3 months all the interests an fees will impact financially the budget of my family and will be stuck in a loan that never decreases the level of debt how can that be possible for any parent to negotiate that unfair agreement during pandemic banks and corporations are hurting peoples credit in this unfair money game to the citizens of the united states of america

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
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: Was not notified of investigation status or results

Complaint:
HAVING ASK TRANSUNION TO REMOVE THIS ACCOUNT MANYS TIMES THEY HAVE YET TO DO SO.

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 2021-06-22
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
honda financial removed my current lease account XXXX honda XXXX XXXX that is current and in good standing a week before my mortgage closing now i cant close on house till this comes back on i need this overnighted back on my credit report all 3 credit bureau honda told me it would take 45 days when im closing in 7 this is banks mistake not mine please put back on all 3 credit bureau asap now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold XXXX totaling XXXX on coinbase on XXXX/XXXX/XXXX at XXXX AM ( reference code XXXX. XXXX was supposed to deposit XXXX into my bank account however I have received no money. 

I submitted a ticket, the only way to contact them, and have been ignored. I would like my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DHI Mortgage Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and XXXX  and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), XXXX and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: MO
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:
When I check my credit score thru both XXXX and Equifax is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: NY
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:
on XX/XX/2020 my credit took a drop of 13 points with both XXXX and Equifax with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am one of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company XXXX is inaccurately reporting amounts and balances and this is putting me in situations and decreasing my credit report.

Company response to consumer: Closed with explanation