BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
After looking over my credit report I found an account that is reporting incorrectly. I have disputed this account to have it removed. This account was not removed and is still not accurate. This account was part of my husband 's bankrupt that was filed in XXXX. The account was paid in full in XXXX of XXXX. This account needs to be removed.

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 2023-03-28
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: Account information incorrect

Complaint:
I sent several letters to XXXX XXXX XXXX on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent a total of 4 letters to XXXX, TRANSUNION and XXXX  regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT. 

1. I sent letters disputing the student loan accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA.

2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of  XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.

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 2017-09-21
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
JPMCB auto finance has been on my credit report more thatn 10 months as a charge off and is causing a very big hardship on my credit score. Letters have gone out requesting the validation of the debt and no one has responded. I know the rights that I have to know what is on my report. I have consulted a lawyer and was told in our counsiling sesson that the responded has 30 days to respond or the debit should be removed, In this case nothing has happened. Please help to get a swift response as I would like to move on with positive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PNC will not allow transfer to XXXX. I'm trying to pay a local vendor. This is frustrating to not be able to use my money as i see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Two Issues with Fifth Third Bank. 1st. No one could answer me with getting an updated interest rate due to being charged a higher rate due to my nationality and skin color. ( I received a settlement in XXXX for this with FIFTH THIRD BANK.. ) 2nd. Car was repossessed over the interest rate issue and non payment on my part. I paid {$1800.00} in XX/XX/XXXX, to get the car back and paid ahead two months I was told. So I was told the {$1800.00} would cover the {$480.00} repo fee and the rest of XXXX payment as well as XXXX and XXXX of XXXX. I spoke to 2 different people in the last two weeks and Fifth Third bank is stating that I owe for XX/XX/XXXX now and trying to charge me the REPO FEE OF {$480.00} AGAIN. 

XX/XX/XXXX I tried to get a manger on the line and they noted I had to be sent to the collections department as they are different, I could only leave a message when I was transfered. And now my car payment is late and I was told in XXXX I would be all set with payments till XX/XX/XXXX. The customer service has been poor and it seems no one is willing to help re adjust the payment of {$1800.00} that was taken in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: WELLS FARGO & COMPANY
State: TN
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 account charged off back in 2018 after a few late payments. 
We immediately set up a payment arrangement and made 3 years of monthly on time payments until account was paid in full. 
The credit report is inaccurately report 24 charge offs and negative reporting since 2018. Wells Fargo said they couldn't update credit report until we paid the account in full. The account was paid off last XXXX, and they still haven't updated the inaccurate credit reporting.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit score dropped from XXXX to XXXX and I am paying down all credit cards, closed some accounts and I am about to pay my car off. I do not understand this droppage and I see no where to complain on Transunion or no good explanation for how much this has dropped. Everything is paid on time or paid off. THIS IS NOT FAIR WHEN CONSUMERS CAN NOT DO ANYTHING TO CORRECT SOMETHING THAT IS OBVIOUSLY AND ERROR AND CAN AFFECT US THROUGH EMPLOYMENT AND INVESTMENTS!!! We have to pay these companies to get our reports. THIS IS SCAM FOR EVERY CONSUMER!!

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 2020-10-19
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GreenSky , LLC keeps harassing me to pay them money I don't owe. I got 4 laser treatments for {$50.00} a session and GreenSky is trying to suck $ XXXX from me. I paid well over $ 1k for treatments I couldn't get. Due to my compromised immune system I couldn't even get treatments because they were for my face. I am still getting bills although I already paid for my 4 treatments. I get a XXXX check to live off of and GreenSky is trying to ruin my life. They are discriminatory as well as greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Nelnet, Inc.
State: AL
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 have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DEPTEDNELNET with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This complaint was closed in 2018. XXXX XXXX keeps reporting this to the credit file. This is incorrect information at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, I XXXX XXXX XXXX, come with peace. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. AMERICAN HONDA FINANCE, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor, Flesh and blood human being. AMERICAN HONDA FINANCE, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AMERICAN HONDA FINANCE, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit reports with all 3 credit bureaus on XXXX, I realized I had a collections account under my name to the Collection Agency : Caine & Weiner. As part of my due diligence, I submitted a letter of validation to Caine & Weiner, requesting proper documentation validating the legal obligation of payment, NOT a request for verification NOR a refusal to pay. This validation letter was sent on XXXX via certified mail. I received a response from Caine & Weiner, dated XXXX, without proper documentation validating this debt. In response, I sent a 2nd validation letter on XXXX, through certified mail, requesting the agency to present proper validation and documentation of this collection debt within 15 days. I have not received any response ( either by phone, mail, email, etc ) from Caine & Weiner up to this day, XXXX. Because this collection agency has failed to provide me with the correct validation documentation, their erroneous reporting to the Credit Bureaus has highly impacted my personal credit report negatively and has limited my opportunities to open new credit lines and take out a mortgage to purchase a home. I am sending this complaint to the CFPB for additional help/assistance to delete the erroneous reporting presented by Caine & Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-11-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has reported an account as delinquent for the period in which the account was enrolled in and authorized XXXX forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXX of 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 2023-03-28
Company: Exeter Finance Corp.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I asked for verification of the following : Proof that you are licensed to collect debt in my state. 
A breakdown of fees, including how YOU calculated what YOU claim I owe YOU. 

I have yet to see proof that I owe XXXX XXXX XXXX, I don't have a contract with this company, nor did this company loan me money to buy anything, so I don't see how this company is collecting on a debt. I did not purchase this vehicle. Also, I need whatever proof you have that I lived at these alleged addresses. I will file a complaint with the XXXX and, from there on, with my state attorney general. I don't know how this company has my name as a buyer and not a co-signer on these documents. I didn't buy any vehicle. This is inaccurate information, and I want the whole account removed. I will go as far as possible because this is unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My FICO score provided by  XXXX   XXXX   XXXX  does not reflect my good payment history. My score during  XX/XX/XXXX -  XX/XX/XXXX  w as  XXXX  and was lowered to  XXXX  during   XX/XX/XXXX  -  XX/XX/XXXX . The most recent score for  XX/XX/XXXX w as downgraded to  XXXX  despite the fact that I 've never had  one single late  payment on my credit card since   XX/XX/XXXX .    XXXX  I 've called   XXXX   XXXX    XXXX  and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: NM
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 XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-11-12
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery Collection/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. Enhanced Recovery Collection/ XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. Enhanced Recovery Collection/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I received a letter from one main financial company threatening me of a debt of XXXX interest on car loan. I have not received a 1099c form cancellation of debt. As research has shown one main financial has filed a 1099a & 1099c on my behalf without permission and received full payment for that loan amount. On record they have the wrong address for this vehicle lease in no actual evidence on file of I. They have damaged my credit, hard inquiry on all three credit reports. Im very disappointed in upset with this fraud company. I will like my information removed from there contact information and system immediately as well my credit report cleared immediately within 14 days of this fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a number of repeated call from IQ Data International in XXXX WA 7 times in less than 8 hrs from the number XXXX harassing none stop I finally called spoke to a XXXX a representative who I told him what was happening he said guy was new but threatened to put this on my credit report if I didnt pay I told him I need more information he said I had to pay again i told him he was harassing me and violating FDCPA he laughed I told him I would report to the attorney general he started to chuckle said good luck then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Northland Group Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Almost everyday few phone calls looking for someone I do not know. I have never deal with this company, i had no busniss with them, and they call looking for someone else. I have the same phone number for about XXXX years.I Asked them to remove my number from the system several times. But the harassment never stopped

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
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:
This is a follow-up to Complaint # XXXX. I was contacted by XXXX XXXX by email on Thursday, XXXX XXXX, 2020. The email indicated that in 48 hours, their account will be deleted from my credit report. Today is XX/XX/2020, and the account is still on my Experian credit report, and it was reported on XXXX that I made a late payment to this account. After several attempts, I have been unable to reach Experian. The prompts give only 3 options to choose from which do not apply to me, and they are all automated.

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 2022-05-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
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:
Payment is due theXXXX of each month payment was made theXXXX. Infiniti reported to credit reporting bureaus that account was 30 days late. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: MD
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 LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

Company response to consumer: Closed with explanation