BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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 a loan with NISSAN MOTOR ACCEPTANC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and NISSAN MOTOR ACCEPTANC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax and XXXX will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. Equifax requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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

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 2023-06-17
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 {$1600.00} SHELLPOINT MORTGAGE SERVICING " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2022-02-26
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: Was not notified of investigation status or results

Complaint:
INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!

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 2022-02-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

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 2018-09-27
Company: Selene Finance LP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I faxed mortgage modification request and financials to XXXX XXXX   XX/XX/2018. 
I've had a change in my financial circumstances I need assistance with bringing my mortgage current. A follow up call was made to Selene XX/XX/2018 inquiring if they received modification documents and financials and if there any other documents needed at this time. I was informed by XXXX Selene modification dept. the documents were received, the property foreclosure sale wouldn't be put on hold even though they had all required documents in their possession and the file is being processed.Selene has been uncooperative and hard to work with. I feel they are discriminating against me and trying to let my home foreclose. I don't want to lose my home.I received a property foreclosure letter from the Attorney XXXX and XXXX dated XX/XX/2018 with a property sale date of XX/XX/2018. I researched the Tennessee statue in regards to property foreclosure sales and Tennessee Code Annotated states the homeowner is to be given 30 day notice prior to the foreclosure. I did not receive the 30 day notice as required by Tennessee Law. Please, Please, Assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to report unauthorized inquiries to companies I did not recognize on my credit report and they have not removed the inquiries and it is affecting my credit. It not fair that I have to deal with unauthorized use of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Saks 5th Ave XX/XX/2021 Cap1/Saks 5th Ave XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX my girlfriend had auto accident and needed to replace her totalled car and I was looking to purchase one myself so we went together to XXXX XXXX to possibly purchase our vehicles. 
XXXX found the exact same car she had and was already decided. I found a XXXX XXXX XXXXi XXXX used with only XXXX  miles and in mint condition which they priced XXXX $ and I was sold. I am a XXXX XXXX and was told they gave low interest loans to veterans at 2-4 % interest with documentation from the Veterans Affairs. Even after the down payment the vehicle was more than the listing and had supposed to have a veterans interest rate of 2.6 % at XXXX $ per month for 72 months. Having to wait to have car over weekend and papers drawn up and signed it went unnoticed until the end of year statement which read I owed XXXX on the car. 
I immediately called the dealer and Capital one auto and showed them and having paid on time the whole year wanted a correction on the contract to the 2.6 APR and capitol One refused to refinance the loan and said Find another lender. The XXXX XXXX XXXX  was at about XXXX. 
I began looking for other finance options and along came the new year it's now XXXX and the car is now ten years old with about XXXX miles and in mint condition but with a 26percent APR still. 
There are no auto finance companies that will refinance the vehicle if it's ten years old or more. Now I'm stuck with the loan and taking a major hit never making headway on the loan. 
Late summer XXXX the car began having engine and electric issues and had less than XXXX miles on it but broke down regularly stranding me several times. The engine warrant void at ten years and was unable to afford added warranty as the car was over ten yrs. The car eventually died and sat in the driveway with a blown turbo and computer chip and electrical shorts. At XXXX miles I refused to pay as could not repair or refinance or even sell. 
Capital one repossed the car a day before XXXX and sold it at auction for XXXX and said I owe an adjusted remaining amount of XXXX XXXX For a car that was unable to drive and costing me a fortune they would not fix or refinance or trade toward another vehicle. This vehicle is still showing on my credit report as in collection for XXXX as a negative and repo. There were no offers to settle the debt or attempt to reconcile. My credit and ability to purchase a vehicle are severely hampered and ties up my available credit limit. This is a nitemare even today and being on fixed income and XXXX  it set me back financially. I would like to see this addressed as I should have been protected by lemon laws and an incorrect loan agreement that had me pay over twice the cars value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Credit Karma, 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:
My account is in good standing. However, there are two late payments noted on my account : XX/XX/XXXX and XX/XX/XXXX. After these incidents in XXXX and XXXX, I spoke to XXXX XXXX directly about legitimate reasons for why they should remove the late fees. Such late fees were removed at that time and the merchant also agreed to correct the remarks on my credit report. Such negative remarks have remained despite my best effort to request they be corrected/removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( 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 2018-05-02
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Called in the last week of XX/XX/XXXX to close an account. Was told I can't unless it was XXXX. Was told that final balance checks are not mailed. 

Transferred money out to XXXX  the account. A {$12.00} fee was applied when my account balance dropped. 

Called again to close, was told they can't close or attempt to dismiss the fee because it was pending. 

Called again on XX/XX/XXXX after the charge posted and was told they won't dismiss the fee because it followed the rules. Also told I can't close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: PA
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:
Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, XXXX, and Experian. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

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 2023-06-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been trying to reach Ally bank in multiple forms calling, emails and physical mail but I have get to get a response sent back to be other than an automated email that they received my email. I have requested multiple times for a response and have gotten nothing in return.

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 2020-08-07
Company: EQUIFAX, INC.
State: TN
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:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: SYNCHRONY FINANCIAL
State: MA
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 was reported late 90 days yet there is no prior reports of late from that.

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 2023-02-22
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have received multiple threatening letters demanding our unpaid property taxes be paid immediately or they will force us to open an escrow account. The thing is, we have never had unpaid property taxes. The letters are from different mortgage lenders for different properties, but they are all apparently done by XXXX out of Texas. In each case they are demanding payment for taxes that have already been paid and can easily be proven, and yet the letters claim a review of official tax records show the taxes are delinquent. Anyone with a computer can look on the county treasurer 's website and see the taxes ARE paid. The fact that this has happened to us multiple times with XXXX seems very suspicious to us, and we are concerned they are doing this intentionally to force us to have an escrow account so they can hold our money. If they've sent us multiple threatening letters, they are most likely sending demanding letters to other innocent consumers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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 am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : 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