BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My car was taken after I had paid my loan off. XXXX XXXX would not work with me and said that my payments didnt go through. I just fear this with XXXX and not much happened. This on my credit report until XX/XX/2022is not sufficient and it is been the main source of killing my credit. I cant get loans For medical reasons.I can not get Credit cards I was just approved for my first one because I just disputed so many things And they were taken off. There are about seven different ones for a XXXX XXXX that are paid and closed at XXXX dollars and exceptional payment history there is one that is the charge off and the past due amount it is {$11000.00} and it just says paid closed and 52 charge offs. This is the main thing that is killing my credit. Every single thing from XXXX XXXX except one is paid and is in perfect standing. This should also be in perfect standing like the others but it says there is that {$11000.00} that is due. The report number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried reaching out to this company on XX/XX/2020 about this debt in the amount of {$270.00} that does not belong to me. They refuse to remove this from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! 
I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! 
I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! 
I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! 
HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! 
THANKS FOR NOTHING! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting transunion and XXXX to please put an account on my credit report. The account is XXXX where I am an authorized user on this account. I also contacted XXXX as well to ask them to please report this account to the credit reporting agency 's. XXXX is currently reporting the account. This will help my credit score as I am having difficulty with the credit reporting agency 's in disputing wrong information on my reports for other 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 2022-02-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX in reference to XXXX XXXX credit card stating that they were reducing my credit card limit due to information in my credit bureau from XX/XX/XXXX. How can a credit line be decreased from a bureau that is months old? They wont really answer any questions. Now the significant reduction in credit line is affecting my credit score. I am working extremely hard at raising my score. I have never missed a payment with them. I rarely have a balance. I just do t think its right to lower my line from an old bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My automobile was in an accident and was considered a total loss. Subsequent to the accident I was told I had the financial that they had been in touch with the insurance company in full payment would be issued the Honda financial. Apparently the process took longer than initially thought and there were several payments not made on the automobile. I had since called Honda and paid all the funds that were due and they had promised that they would contact the credit bureaus and have my account marked as paid in full and paid satisfactorily on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I get my money then i spend it and when i go back like they take the money and then days later they add it back and when i check my account i have money and i use it then it turns out i have no money and i overdrafted.

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 2018-04-27
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: Their investigation did not fix an error on your report

Complaint:
Under the FCRA I, XXXX XXXX request that XXXX immediately notify Equifax, XXXX, & XXXX of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase is claiming that the previous servicer of my account, XXXX, purchased an insurance policy on my account because they were unable to verify proof of insurance. The letter Chase provided to me as proof that a request for proof of insurance was requested was sent to an address we have not used in 2 years. I have received correspondence from from both Chase and XXXX at the correct address during the time period that the aforementioned letter was sent. 

Chase continues to add fees to my account despite the fact that the amounts due are in dispute. 

By Chases own admission I should owe {$330.00} from XX/XX/2019. The latest statement I received dated XX/XX/2019 shows a balance due of {$690.00}. My normal payment is {$150.00}. This amount is far in excess of what they claim I owe. 

Fees have been added to my account systematically for an extended period of time for no reason. XXXX the previous servicer has been adding fees to my account with no justification. 

I have requested from Chase proof of the insurance that they claim was purchased to include the policy and a canceled check for the purchase. 

I have requested from Chase an explanation for why they were able to send me statements and notifications of change of servicing to the correct address but did not send a request for proof of insurance to the correct address. 

I have requested from Chase copies of all correspondence sent to me in regards to this account for the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have traveled to US on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in USA for three months as a XXXX  ) on XXXX only. 

I opened my Experian and noticed that somebody took my SSN and opened {$710000.00} mortgage at XXXXXXXX XXXX XXXX on my name. 

I disputed it twice via Experian but they say the dispute was denied by the company. 

I have my I-92 form as a proof that I entered the country as a XXXX  on XXXX until then my SSN was not even active. 

I would really appreciate your help. 

Thanks!

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 2019-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an AUTO Policy with USAA. My vehicle was deemed a total loss. The bank whom also manages my checking account collected money off the top of this vehicle loss. I contacted them and told them I will not be adding any other vehicles and I did not have any vehicle rental options on my policy So It Should Have been Closed. Instead they kept withdrawing payments from my account stealing my money via draft. I filed a complaint with the CFPB last week 2 times and they sent a man names Mr XXXX to call me. He threatened me telling me that If I sued him he would simply report a lapse in my coverage when I dont have a vehicle! I told him cancel the policy and this is what he told me! Please assist me in canceling this policy. I sent you proof that the Investigation was over. I need an executive to help me in this matter. They sent me a check and collected a percentage on the loss. Close my account now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: NV
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 happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair 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 non-monetary relief
Consumer complaint received 2017-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. Please help.

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 2017-09-18
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Date opened XX/XX/XXXX Amount of {$4700.00} this has been a battle since XX/XX/XXXX when I discovered this account. When I received a phone call demanding payment. When I called Discover card last week, they told me the reason I received a bill, was because they could not invalidate or validate fraud so I was held liable for this account. I said so you want me to pay you money for something I never had never used? The guy I was talking to from the fraud department said well someone has to. I asked is there anything I can do, and he said no because we can not invalidate or validate that this was fraud. I asked him to reopen fraud investigation, and I receive a letter stating they can not do so without additional information. I asked the guy what more can I do. I already made a report with the Federal Trade Commission. Im going on XXXX years old I dont know what to do. Please help me. I 'm on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This is not the way I want to spend my last bit of life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.

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 2019-03-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please add my contact telephone number to my credit profile. My contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

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 2022-02-21
Company: EQUIFAX, INC.
State: TX
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 did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Victim of a data breach and I reviewed my credit report and discovered inaccurate information. I dispute and it still appears on my credit report. The accounts were inaccurate and closed but still shows account active. I believe I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX,  However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an  STATE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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 information incorrect

Complaint:
To whom it may concern ; 1st XXXX XXXX was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on Equifax late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, XXXX, and Equifax ) are reporting different and inaccurate information.

Company response to consumer: Closed with explanation