BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
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: Information belongs to someone else

Complaint:
How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Actually, XXXX has restricted my XXXX XXXX account since XX/XX/XXXX saying that there's some unusual activities without any reason. So, without any letter, any explanation they restricted my account. Now, in XX/XX/XXXX, I got XXXX Mastercard and bought a phone which gave me 3 % cashback, also I am using apple card everyday and get 2 % Cash Back. These all cash back goes to XXXX XXXX and I am not able to use it because of that restriction, so what to do now? I don't have any way to use it. I am pissed off and calling back and forth every time. I need solution for that. Please provide solution for that. They arrongantly says that's our terms and condition. Without reason They can't just restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody

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 2023-07-20
Company: OneMain Finance Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company OneMain Financial has Close the account XX/XX/2017 now the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
When I was contacted by this company I informed them that the credit card from XXXX XXXX is not mine and was opened in my name. they sent me a letter back regarding the validity of this account and was unable to provide me with anything. I contacted XXXX XXXX in regard to the account and they stated it was owned by the portfolio recovery associated. This collection account has appeared on my credit report and is erroneous and should be removed. I have request validation and have received nothing. Please remove this information from my credit report it is causing a hardship on my score.The company stated it would send me a detailed payment statement for this account but they could never produce that because I have never made a payment on this account as it was not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Capital One. Both XXXX and XXXX failed to do an investigation before reporting false information. Capital One failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. Capital One Never has sent any documents bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I received a letter from Navient dated XX/XX/XXXX, stating that my deferment begins on XX/XX/XXXX. Mr credit report reflects that I was 90 days late in XX/XX/XXXX. There is no way I could be 90 days late in XX/XX/XXXX if my deferment started in XX/XX/XXXX. I have tried to rectify this with Navient but was denied. This is an outstanding issue on all 3 credit bureau 's and i am requesting this be corrected. My letter reflects all of my student loan accounts had a deferment as of XX/XX/XXXX. The letter clearly states in the body that the deferment began in XX/XX/XXXX, but Navient responded to me stating it began in XX/XX/XXXX. This is clearly an error on the loan servicer 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
when i closed my cred.card it was in unresolved dispute status. XXXX reported it as a charge off but never notified credit reporting co 's it's in dispute. therefore, it's a big negative on my credit report. i have iniated dispute with transunion and they do not add a personal statement as i requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: AZ
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 have tried to get this 30 day late payment fixed and equifax said it was verified by the creditor which is false and the creditor admitted the banking error and I am including proof of 2 payments with bank records of XXXX and XXXX so it is impossible to be 30 days late on the account described in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and XXXX XXXX XXXX. There could be more but these are the two which I received letters for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Cedars Business Services, LLC
State: FL
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:
XXXX XXXX XXXX is insistently trying to collect {$760.00} from me for an alleged driving ticket issued in XXXX and unknown to me. Therefore, never notified. 

XXXX contacted me the first time approximately four months ago and claimed I owed money for a speeding ticket issued by a speeding camera in XXXX back in 2015. I have no knowledge of this ticket and I have asked XXXX by phone and by certified - return receipt dispute letter to provide me with a copy of the alleged citation and all other related documents - including all papers, photos, videos, correspondence, postmark with mailing date, certified mail notification signed by me or by a person authorized by me within 300 days from the date of the alleged violation, as required by the Italian laws, etc. 

As of today, I have not received any supporting documentation. However, yesterday, at almost XXXX XXXX, I have received another harassing call from a XXXX 's agent try to collect that amount of money again. 
They are obviously violating the ( FDCPA ) Fair Debt Collection Practices Act by not providing enough valid supporting documentation. Therefore, I would like not to receive anymore calls from XXXX. And, I'm requesting them to cease any further collection efforts, unless they're able to provide all the requested evidences and documentation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. 
I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- CARFINANCE.COM Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- 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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.

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 2018-01-24
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only equifex deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX XXXX XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is Berndt & associates, P.C XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This is a follow up to case # XXXX. I was not able to respond to Hyundai 's " response '' prior to it being closed. I turned in my leased Hyundai on XX/XX/XXXX. In XX/XX/XXXX I received a bill from Hyundai for {$630.00}. I was aware of the {$400.00} disposition fee which was clearly disclosed in my signed lease agreement. I paid it on XX/XX/XXXX. I called and spoke with XXXX at Hyundai who informed me that the extra XXXX was for damages to the vehicle. I vehemently disagreed, there were NO damages to the vehicle ... NONE. He proceeded to tell me that they had photos to prove it, and described it as `` road rash '' on the right front bumper. I had at least one other conversation with people at Hyundai where they were very insistent that the fee was for these claimed damages. As a matter of principle, I chose to dispute this. Now, imagine my surprise when the in response to my last complaint, Hyundai themselves admit that the fee was NOT for damages ... .but rather for an early lease turn in. Make up your mind Hyundai!! I called XXXX XXXX several months prior to turning in the vehicle to find out about turning in early and was clearly told that I could turn the car back in as early as 120 days as long as all my payments were satisfied. I paid all of the contracted 36 payments on time, in fact ahead of time. No one at the dealership mentioned that I might be turning in early. So, Hyundai ( since they ca n't prove damages - because they were n't any ) now  conveniently has come up with another reason for this fee. In the meantime they have reported the {$230.00} as " late payments '' and essentially tanked my credit score. Case of big business harassing the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The online portal is demanding inappropriately early payment on my student loan. 

According to a status letter from the company dated XX/XX/XXXX, my next loan payment is not due until some time in XXXX. However, the online portal for my account continues to show my next loan payment as being due on XX/XX/XXXX. 

I have asked the company on multiple occasions to have their online portal accurately reflect my loan payment dates. It has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX ( XXXX XXXX ) did not pay real estate property taxes even though I have an impound account. Wells Fargo stated that they paid property taxes in XX/XX/2017. Upon further research, I identified that Wells Fargo paid the property taxes for the wrong property. I informed them of this and they said they would investigate. Wells Fargo stated that they paid the real estate taxes for my property but when I check it has not been paid and are now delinquent. In addition, I did not receive my money back for the property taxes that were paid on the wrong property.

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 2022-01-10
Company: EQUIFAX, INC.
State: IN
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, Equifax and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
I

Company response to consumer: Closed with explanation