BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: CONDOR CAPITAL CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have filed Chapter 7 in XXXX and I included all debt excluding my car, XXXX XXXX XXXX financed by Condor Capital. I have voluntarily been making payments on this vehicle since XXXX. I have been contact with the company that has taken over Condor Capital since they have closed. I have been mainly in contact with them recently because I am in the process of purchasing a home and I needed to eliminate some debt, after speaking to several people in the billing department I have learned that they allege my balance to be XXXX as of XXXX/XXXX/XXXX. I have offered to make a settlement with this company in exchange of the lien being removed and they referred me to my the attorney who filed the bankruptcy. I also have not received and receipts or updates about my account since they have taken over. I have also asked once the allege amount is paid how will I know or how will I receive the title to this vehicle and they informed me that they would mail out documents that I would submit to the DMV. I also asked if I wanted to give the vehicle back what and how to handle that issue and i was again referred to me attorney. I need help with resolving this account, I truly do not believe I owe this allege amount which is why I am trying to offer a settlement.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MI
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. S 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX This account has been deleted XXXX and XXXX but still remain on XXXX XXXX XXXX XXXX They are not licensed to collect in XXXX XXXXXXXX XXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am enclosing a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been informed that Experian does not have my credit history and that I will not be approved for a personal loan. Credit cards and other lenders are not disclosing my credit history, according to Experian. Since my credit history with XXXX and XXXX includes credit cards, mortgages, auto loans, and personal loans, this doesn't make sense to me. Since1990, I have had credit without any problems. Experian requested that I phone each of my creditors to ask that they send credit history to Experian. However, they have not given a justification for why this is taking place, and I am unable to get any responses. Furthermore, Experian only permits disputing inaccurate information, fraud, and personal information ; but, since I lack a credit history not the fault of my own, I am unable to dispute the absence of credit history. Although creditors claim to be delivering credit histories, no one seems to be taking responsibility for resolving issues regarding the absence of credit reporting. Do I have a legal right to a credit history at each of the threXXXX 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 2018-08-15
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently needed to have my XXXX XXXX XXXX  due to them being 20 years old. I went to XXXX XXXX. They recommended greensky because they said insurance would not cover it. Mind you they did not file a claim with the insurance. Anyway they got all my personal information and applied the credit. The procedure was to cost XXXX. I was approved forXXXX. Well apparently Greensky allowed XXXX XXXX to charge up the entire balance of XXXX leaving a XXXX balance. When I called to refute the extra charges they pretended to not know that happened and said they couldnt do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Javitch, Block & Rathbone LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact Javitch and Block, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact Javitch and Block multiples time and have never received a call back.

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 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is reporting that a late payment exists on my account for XX/XX/2019. I have the payment booklet reflecting a payment due date of XX/XX/2019 along with proof of payment for both XX/XX/2019 and XX/XX/2019 which more than covers the XXXX payment either early or within the 10 day grace period and well before the next payment due of XX/XX/2019. I also have the payment dating back to XXXX and and another at the end of XXXX reflecting. I submitted documentation of these payments to show that the XXXX payment was not late and should be corrected on my credit report and XXXX ignored the request and did not respond. I filed a dispute with XXXX XXXX and they did not correct the problem. 

I am attaching the payment confirmation for XXXX, showing the extra {$10.00} for the late fee, the payment for XXXX, showing the extra {$10.00} for the late fee and the on time payment for XXXX. All payments are within the 30 days and did not go to the XXXX day as inaccurately reported on my credit report. When after the 10 day grace period, the fee was included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint against freedom mortgage again for other issues I am having with them I made my XXXX mortgage payment by Internet on XX/XX/XXXX I had two other debits to freedom mortgage they were made not by me debited to my mortgage account I have bank statements showing that the initial debit and XX/XX/XXXX went through and how Freedom mortgage tried debiting my account two other times causing me overdraft fees and other charges. Freedom mortgage returned the money but then charged me a {$20.00} fee for their actions can you please help me with this company they tried stealing for me now theyre charging me money that I do not owe this is all due to me telling them that Im refinancing with another company Ive made Payments on time to this company ever since they bought my mortgage I am in fear that they are going to attempt to tarnish my good credit I reached out to them nobody is on the same page everybody gives me different answers I would like my money back I will be sending them an invoice for all error and finances do to them. And I am not paying any of there fees

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 2018-08-16
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: Their investigation did not fix an error on your report

Complaint:
I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At the closing signing on XX/XX/2021 I was charged a {$1200.00} fee for a rate lock extension. This fee was not present in previous hard copies of the closing documents and during the closing process I spoke to different agents but there was still confusion so Caliber Home Loans said " it would honor our original agreement '' and reimburse me the {$1200.00} fee and that the agent would help me obtain that reimbursement and I still have not been reimbursed and I have followed up many times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed several unauthorized credit inquiry 's on my Equifax credit report. I have contacted the companies involved multiple times and they have still not been removed. The unauthorized inquiry 's are below. 

DATE COMPANY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the wrong hands.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: VA
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 sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking 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 2020-06-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a cease and desist letter to LVNV funding LLC and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX funding they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit coll/ usa is reporting inaccurate information. Did not receive written documents in the mail to prove i owe this debt.

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 2019-11-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is as much of an inquiry as it is a complaint. I have had Navient as my student loan provider for years. I have been making payments for a decade. A good stretch of my life was spent paying more than the interest to pay off principal, but the principal never appears to go down. I saw in the news that CFPB has sued Navient and I would like to see what resources are available for me. I will say that I fall under one of the groups harmed as I am a teacher. I was told that getting loan forgiveness of up to {$5000.00} ( that's the allotment for social studies teachers ) was not going to be an option because I had a late payment. I did not realize I had a late payment. 

The other problem is that I have worked at a XXXX XXXX XXXX for two year, not five. I do not necessarily take issue with that, but teachers at XXXX XXXX XXXX are working just as hard. I have a total of three years in XXXX XXXX. My first two years were at a XXXX XXXX XXXX. My current XXXX ( where I was placed by the district ) was XXXX XXXX only one year as a response to Hurricane Harvey. 

Please inform me what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
My identity has been stolen many times, & horrific amounts of my info has been stolen MULTIPLE times by hackers & the data breeches, including XXXX Experian breech & even out of the secret level of the federal office of personnel. I am very careful with the credit bureaus. On XX/XX/XXXX, I lifted the EXPERIAN freeze for 24 hrs, to start Mon XX/XX/XXXX @ XXXX & end XXXX. Today, XX/XX/XXXX, I reviewed my EXPERIAN XXXX EXPERIAN CREDITWORKS files & the recording said the freeze is due to be reinstated on XX/XX/XXXX. Experian has failed to secure my file for 5 days. I have spent 3+ hours trying to address this on line. The FREEZE options are ADD, REMOVE or LIFT, there isn't an option to reinstate the freeze, always looped to a solution that costs money. All phone numbers don't offer replacing the file freeze & all offices are closed. I can't add a freeze because there already is an account with that info.Round & round, & round is their path to their money solutions. If EXPERIAN has a way to reinstate the freeze, I can't find it. Really, shame on them. Thank you

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 2019-11-08
Company: Experian Information Solutions Inc.
State: MS
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 have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help 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 2023-04-12
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 usc 1692g, you failed to properly validate the alleged debt and in addition to that I do not recall giving you my consent to contact my person, thus you are in violation of 15 usc 1692c ( a ). You are liable to pay {$1000.00} per violation pursuant to 15 usc 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Did not authorize for credit to be ran by capital one on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i pulled my equifax credit report come to found out i see alot of inquiries that i did not approved for someone to run my credit i have sent a POLICE report to equifax about this matter and i did not recive the outcome that i was looking for its my right to dispute FRUAD accounts on my credit repot here are all the inquiries ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Factor trust.. These are all FRAUD inquires that i did not approve EQUIFAX is playing games with life by keeping thses accounts on my credit i will like them to be remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Their investigation did not fix an error on your report

Complaint:
I have been contacting the company about my current situation I have been trying to get to investigate this matter but I guess I should now ask for the help of the authorities to get the matter resolved. Now Please remove the negative items while the FTC are doing the investigation.

Company response to consumer: Closed with explanation