BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: FC HoldCo LLC
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 information incorrect

Complaint:
On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with USDOE/GLELSI. I have always made my payments on time. How can this account show the payment status of 90 and 120 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I file a dispute on XX/XX/XXXX XXXX my student load because it's closed and they also sold my account Without my knowledge and my concent.they are saying that the loaf is accurate. I don't see how when it's closed and it's been sold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This hard inquiry is not correct and dont know why it is showing on there as a duplicate. Please delete as I have no knowledge as to why this is on my report and what it pertains too. As I contacted them by phone & email as u will see in this complaint. Thank you TRANSUNION REPORT HARD INQUIRY XXXX XXXX ( BANK ) XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions 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:
There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXXXXXX XXXX XXXX reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!

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 2023-04-08
Company: Grain Technology, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously filed a complaint against Grain due to them not allowing me to update my checking account so I could pay my account. I was able to add my new account and brought my account current. However, the company continues to report to credit companies that I am not current, in addition, today when I logged in to confirm my recent payment had posted my account is showing as charged off. The company never notified me that they were charging off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: VIP Mortgage Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
VIP mortgage XXXX XXXX run my credit before informing me and cause my score to drop to point whereas I have to wait to purchase a home. XXXX call me concerning what he had did, I ask him why didn't he tell me, cause I never gave him permission to do this. XXXX said u gave me permission to run your credit, the form stated once type in your password that gave me permission, then he went on to say it tell you that in info, that why you need to read info in a very sarcastic way. I told him it didn '' t say that and that when he slammed his phone down in my face

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX CARD Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX CC Account Number : Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
State: DC
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:
I sent a validation letter to this company and they have yet to respond it has been more than 30 days. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

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 2018-04-09
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Everbank to take them up on there offer the " XXXX Trial Period Plan ''. Since my house is in foreclosure. I called them on XX/XX/XXXX and the lady told me she would stop the foreclosure process and I told her I can call tomorrow with my paymentXX/XX/XXXX. So that is what I did, I made a payment to EverBank for {$350.00}. I thought everything was fine ( alot less stressed out I have been in my home for19 years and I have alot of equity built up and I feel they are taking advantage of me ) So I called back onXX/XX/XXXXand made another payment of {$350.00}. I asked the lady why they did not stop the foreclosure and she said they did and I said really that's why a sheriff sale was listed for my case on XX/XX/XXXX. She told me I needed to contact there lawyer? What? After I made my first payment on XX/XX/XXXX I recieved a letter from there attorney on XX/XX/XXXX stating that EverBank was still going to proceed with the foreclosure. I was lead to believe they was stopping the foreclosure while I was on the mod trial period. IMy relationship manager XXXX XXXX  told me the foreclosure is stopped, reaffirming more than one time that they stopped the foreclosure and told me I could make my payments anytime during the month. So now I am wondering why my house is listed for a sheriffs sale? I really thought my bank wanted to help me. They are dual tracking me right now and I have read this is not the first time EverBank has done this. This is why I am making this report cause I think what they are doing is illegal. Your help is greatly appreciated in this matter of me staying in my home or being homeless. Thank you! They have tacked on so many lawyer fees my head is spinning. I owed {$28000.00} before all this 6 years away from payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
I sent a validation letter to this company and they have yet to respond it has been more than 30 days.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now  acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for 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 or an eight additional months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX PULLED 8 SPY INQUIRES FROM MY EXPERIAN. SEE ATTACHED. REMOVE ALL INQUIRIES OR BE SUED IN CLASS ACTON LITIGATION.

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 2021-12-16
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to XXXX XXXX XXXX, Md to look at used cars on XXXX XXXX. I was going to co-sign a loan for my sister because she doesn't have established credit accounts. My sister picked out a XXXX XXXX XXXX and we took it for a test drive. The salesman that greeted us name was XXXX. We went inside to apply for credit we were shown a printout with corresponding interest rates to fico scores. According to the printout my fico score of XXXX corresponded to somewhere between XXXX XXXX something. After XXXX the salesman copied and recopied information several times he came back and said we only qualified for 13 % interest and couldn't even get that without {$3000.00} down payment. I suggested to XXXX my credit application should be ran with lenders I have a relationship with. He assured us the credit application was ran with many lenders with the best possible rate. We left the dealership but decided to go back the next day. I decided to co-sign for my sister. Again XXXX assisted us we were there for hours signing and resigning the same papers over and over. Finally we were sent to the finance manager who was fully aware I was to be the co-signer on the loan. My sister traded a XXXX XXXX XXXX in on the loan which she was credited {$200.00} for. I got a letter in the mail from Ally Financial on XX/XX/XXXX stating that because if misrepresented or omitted information they determine I'm the owner of the XXXX XXXX XXXX. Me nor my sister omitted anything on the loan application I'm supposed to be the co-signer. I have talked to Ally financial and they say they can't change the names of the signer and co- signer because they just buy the loan from XXXX XXXX and they determine signer and co- signer. This is even though the dealer misrepresented or omitted information on the loan application. I also have found out my application was only submitted to Ally Financial which is a subprime lender. I believe this what resulted in a higher interest rate. I was also told that we could only get a 48 month term because the auto is seven years old I believe this is a lie.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: IA
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 submitted an FTC report to get items removed. They keep verifying it, and not deleting it. I have tried getting resolution with these creditors via certified mail, but keep getting ignored. You are committing identity theft and fraud! Delete these items.

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 2018-05-11
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's HomePlus is constantly harassing me over a debt that is not even excessively late. My payment is approximately 17 days late. My fiance has been critically ill in a XXXX in the past XXXX days and was in the XXXX  a total of 25 days. This understandably so has put me in a bind. I have repeatedly expressed to Conns that I will pay them as soon as possible but they continue to call from a different phone number every day at least a DOZEN times per day. I am a long time customer and the harassment is absolutely ridiculous. It is getting in the way of a already very stressful time and is beyond excessive!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS IS NOT A DUPLICATE Equifax removed an item the same time as XXXX  from XXXX XXXX  XXXX and its back on my credit when it should have never been there. I was in bankruptcy chapter XXXX when these charges were incurred and the rental company XXXX is still trying to charge me for this rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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:
Equifax will not tell me how 11 inquiries got on my credit report. In addition, despite numerous efforts they have not deleted my ex-wife 's address which caused these fraudulent inquiries and collection accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I never opened an account or credit card with Wells Fargo yet, I was sent a card in the mail on XX/XX/2023. They also ran a credit check that I did not authorize. I called the number on the letter to get it resolved. They put a hold on the card, but then said they would have to transfer me to get the account closed. Then they transferred me to a dead line with no answer.

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 2022-10-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-08-28
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I purchased the car in XX/XX/2016. at the time of purchase we agreed on my trade in plus $ XXXX.the finance guys over financed {$1500.00} in my loan. I have over looked the docs. Now when I review the original docs and notice the error. 

here is the math {$2500.00} + {$1400.00} ( payoff on my trade in ) + Dealer fee {$1000.00} = {$4900.00}. I did not purchase any additional warranty product. 

when I noticed my financing docs. it's showing I am financing over {$6400.00} I have reached out to the dealers with no repose. 

dealer 's name XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief