BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I originally purchased my car at XXXX XXXX in XXXX, Florida, I was financed through XXXX  XXXX  XXXX Florida  at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was having problems with the car from the inception of the loan. I took the car back to XXXX XXXX and they couldn't repair the car. Which later caused me to get a loan from XXXX to repair the car. The car was taken to the repair shop and repaired, the next day the car ran hot and would not start. I was given another loan from XXXX to repair the car. The car was repaired, I drove the car home and once I parked the car it wouldn't start again. I sold the vehicle to my niece XXXX XXXX while the car was in the shop I took her to XXXX  XXXX   XXXX Florida  and they financed the car in her name and kept my name on the loan as a co-signer. I told them I didn't want that since the young lady had a good job and could pay her loan. I was told this was the only way. I told them I thought this was unfair lending practices. XXXX told me that was legal and was the only way XXXX could get the car. The car was repaired again and never worked, XXXX gave me a name of a repair person and said he would repair the car and they would take care of it. I took the car to the transmission place and got an estimate it was another {$3000.00} once the car was in the shop I received a call from XXXX the manager of XXXX  stating that she was not going to do another loan on the car that they would try to replace it with another car instead. They never did it, in XXXX, 2019 I received a call from XXXX stating she was prepossessing the car. I told her that this is not fair to the young lady XXXX or myself after getting so many loans and the car was upside down. It would be a lost for the both of us and ruin our credit. She was sharp and abrupt and said she is the manager that is her decision, I call the headquarters of XXXX three ( 3 ) time asking for assistance and they told me that the company was independently owned and they have nothing to do with it. I have two ( 2 ) loans on my credit report and so does XXXX without a car that operates. I continued to call XXXX and XXXX and she would hang up the phone each time. My credit score has dropped 100 points because of this and continues to decline. 

These practices are unfair. I called the attorney general office of the State of Florida and made a complaint to date I haven't heard from them. I need help to get this off my credit report and XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Capio Partners, LLC
State: OH
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 sent a dispute deletion letter over 30 days ago and this company has not responded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving phone calls from Credit Corp Solutions. They either hang up, or ask for " XXXX. '' The most recent phone calls were on Friday, XX/XX/2019, and Wednesday, XX/XX/2019. I have told them repeatedly to remove my phone number and to stop calling me, but this has not been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and Experian. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts

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 2019-08-20
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX I contacted XXXX, Nelnet/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with regard to grossly inaccurate information submitted to the credit bureaus. I had not received any correspondence from the Federal Student loan agency re any alleged debt. When I asked why they hadn’t let me know of any problem in any way, they stated that they didn’t have my mailing address or email. I pointed out that I still have correspondence from them at the correct addresses from XXXX  when I was granted discharge on the remaining balance due to permanent disability.XXXX  made some corrections and my credit score went above 610, the necessary figure to be considered for affordable housing. I am now technically homeless though I’m still at my address because tenants are suing the landlord for wrongful eviction. I have been turned down for over 50 apts due to these inaccuracies on my report.Now, my score has gone to XXXX due to the fact that when XXXX  contacted NelNet, they confirmed that I still owe them money. They even state that I am in delinquent status due to 5-6 months unpaid when I’ve never received a bill from them. I have made two payment arrangements with them, one of which should be reflected on my report in 60 days. The XXXX department itself at the Department of Ed advised me to set up these arrangements and told me that he has contacted XXXX  regarding the inaccuracies in my report. I am not in a position to wait 60 days to find a new home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: F.H. Cann & Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
According to my credit report there have been 2 attempts, in the past 3 days, to fraudulently obtain a credit card in my name. I have called XXXX XXXX XXXX and was informed the application has been shut down. However I have not been able to find anyone at Citi Bank to help me. I have put a freeze on credit file and I have written letters to all three credit bureaus.

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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX. How I could owe $XXXX when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Consumer Financial Protection Bureau I had Purchased a XXXX XXXX XXXXXXXX XXXX which was XXXX : XXXX from XXXX XXXX XXXX  and the Address is for XXXX is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and XXXX made me a Merchant owner for the XXXX XXXX XXXX. However, after purchasing that Merchant website from Mr. XXXX XXXX which was the Senior Marketing Consultant for XXXX XXXX XXXX I realized that the New Business is not making any profit despite my time and effort. In addition, Mr. XXXX XXXX took Electronic Signature from me for the Retail Installment Contract for XXXX XXXX XXXX along with other Initial Signs before I read the Contract Paper Properly including XXXX Disclosure Form, XXXX shipping program rules, and Buyers right to cancel and notice of cancellation. Well Unfortunately the transaction date was XX/XX/XXXX and Mr. JXXXX did not ask me to read the contact paper before he approved the virtual online store finance Amount which was {$2800.00} and XXXX XXXX XXXX Charged my XXXX XXXX Credit Card ending in XXXX {$1200.00} for the down payment of the Retail Contract. 

Moreover, when I requested Him that I am unable to Continue the New Business and I would like to close the New Business he Initially refused but later send me the closing form where I had Signed to close the New Business. The Merchant website was closed and the business was totally closed. However, after two three months of closing the Business I had received the Debt Validation letter Along with the Retail Installment Contract from a Collection Agency Named Monterey Financial Services , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Since then they are keep sending me debt validation letter until this year XX/XX/XXXX and they are randomly charging the Interest amount on the Initial retail Installment which was {$2800.00}. 
Also, they had opened a report on XX/XX/XXXX to the XXXX and the XXXX the leading credit Bureau Agencies. Currently on XX/XX/XXXX the XXXX  report showing the collection Amount of {$4000.00} and The XXXX  XX/XX/XXXX report showing the Collection Amount of {$4000.00} I have all the supporting document Retail Installment Contract, XXXX XXXX Merchant Account along with the XXXX disclosure form, Buyers. Right to cancel and notice of cancellation. Including the XXXX Account Closure Form. Please check all the document along with this description letter. 
In Sum, I want to take this collection off from the XXXX, and XXXX Credit Report and Dispute the debt amount from the original Creditor Which was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX XXXX of my kids tested positive for XXXX  and they were out of school for a month so i had to take time out from work to care for them. My mortgage company did not care. I still had to pay on time no exceptions. I now have tested positive for XXXX  XX/XX/XXXX and i even lost my job because of the sickness and lingering issues and symptoms. Not only am I required to still pay my mortgage but my mortgage has also gone up due to escrow! Its extremely difficult and i have no idea what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is 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 2020-11-19
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our 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 2023-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, XXXX, Transunion ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the 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 2020-11-19
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to Covid 19, we got behind on payments and my car was repossessed. My husband was able to find a new job so I started trying to make small payment to catch up. Less than 24 hours after my car was taken, I called and was told I would have to call back late, because they didn't have any information. The 3rd call I finally was told I had to pay {$2300.00} to bring my account current and the repossession fees. I was willing and able to pay the full balance right then, but was told because my account wasn't old enough with them they would not reinstate my loan. The only way to get my car back was to pay the loan balance in full. This year has been a very new and trying time for everyone, I was owing up to situation. I wanted to catch up my account and continue making my payments on time going forward, but that was not a choice I was given. I am a XX/XX/XXXX and have a daughter with a chronic medical condition so transportation is very important.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Improper use of 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 2018-02-28
Company: EQUIFAX, INC.
State: DE
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 several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/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 XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXc XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint is against the credit agencies, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with the Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.

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