BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCT XXXX XXXX XXXX ACCT # XXXX SEVERAL " LATE TRADELINES REPORTED REQUESTING REMOVAL OF ALL NEGATIVE MARKS REPORTED TO EXPERIAN

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 2019-04-01
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDLAND FUNDING LLC promised me that if I went with their service, they would pay off my credit card, take a small payment every month, and nothing would show up on my credit report. I made EVERY payment through autopay without issue. In XXXX, the debt MYSTERIOUSLY showed up on my credit report. Every time I called, I'd spend hours on the phone being transferred from one call center to another without any help. The call center in XXXX would berate me, one man even told me " women can't handle their money! '' and hung up on me. Meanwhile, they were falsely reporting the debt amount and that I missed a payment on my credit. 

To make it go away, I paid the amount in full and was told that the debt collection would be removed from my credit report. It hasn't been. 

I have asked them numerous times, called countless times to rectify this. They do not help me and I end up in the XXXX call center even when I ask for domestic. The men in the XXXX call center blatantly discriminate against women and have insulted me several times. 

Meanwhile, I've paid this off in full to XXXX balance. 

This company has no integrity, and I'm very angry they continue to report fake numbers on my account and mar my credit despite my paying every payment on time without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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: Personal information incorrect

Complaint:
As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a Forbearance in XX/XX/2020. I was accepted and continued to request assistance through the Pandemic as my business and income was directly affected by Covid -19. In XXXX of 2020 the Forbearance ended, I continued to request assistance, and have since been given the run around, without much assistance or information as to the programs that may be available. I have been in constant contact with Rushmore Loan Management Services , LLC. and their Loss Mitigation Dept. On XX/XX/XXXX I requested again for a Loan Modification and sent a new application into the Loss Mitigation Dept. for review. I have since complied with all requests for new bank statements and all documentation that was requested. I have yet to get an answer just more delay and run around on what is needed. I have expressed over and over that I want to keep my home and that I can make the payments. Please assist me in getting this Modification completed and past due payments caught up. This has also affected my Credit, as they have been reporting to the Credit Bureau that I have been late! Before the Pandemic I was caught up and current on my Mortgage Payments. Please assist me to keep my home. Thank you, Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Old information reappears or never goes away

Complaint:
XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX EXPERAIN has failed to permanent remove accounts listed below. 

EXPERAIN has failed to remove inaccurate personal information from credit report.

EXPERAIN has failed to remove unauthorized inquires from my credit report. 

EXPERAIN HAS NOT PERMANENTLY DELETED AND REMOVED INACCURATE ACCOUNTS AND PERSONAL INFORMATION. 

EXPERAIN CONTINUES TO REMOVE DATA, PERSONAL INFORMATION AND ACCOUNTS AND THEN ENTER THEM BACK TO AN INCORRECT CREDIT REPORT. 

This complaint is being filed because Experian has ignored my request to provide me with the documents that their company has on file and used to verify or certify the accounts I have disputed. The alleged accounts in question have been formally disputed via certified mail and proof of service executed by registered process server. They have been provided with documentation that the alleged accounts are unverified and respondents of alleged accounts are in default for failing to respond or verify alleged accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " promptly delete all information which can not be verified. '' I have disputed the alleged accounts and provided all the necessary documentation i.e. default notices, proofs of service to alleged account respondents, U.S.P.S. Certified Mail receipts and U.S.P.S Return Receipts which contradicts Experians claim of Certification and/or " Verification ''. 

PLEASE SEE EXPERAIN REPORTS ATTACHED WHERE ACCOUNTS HAVE BEEN DELETED/REMOVED THEM " VERIFIED '' AT A LATER DATE. 

Please resolve this matter as soon as possible. 

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 non-monetary relief
Consumer complaint received 2019-04-02
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt to XXXX referenced in my previous complaint ( XXXX ) has been sent to a collection agency by XXXX. As I explain in the details of that previous complaint, I do not owe XXXX any money. I repeat the text of that complaint below : I canceled XXXX XXXX service to my address in XX/XX/2018. I am unsure of the exact date, but I have an email from XXXX saying " Thanks for your recent call '' dated XX/XX/2018 and I believe that to be a response to my call to cancel service. I paid my last bill of {$54.00} on XX/XX/2018. Since then, XXXX has continued to send me bills first for {$54.00} and now for {$100.00}. I have made at least 3 calls to XXXX since XX/XX/XXXX to determine why they continue sending me bills. Each time, the representative assures me that 1 ) they are aware I canceled service in XX/XX/XXXX, 2 ) I do not owe them any money, and 3 ) they will make sure I stop receiving bills. But I continue to receive paper bills in the mail as well as telephone calls almost every day informing me of this " debt '' that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Genessee Financial
State: MN
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:
My vehicle was repossessed by the company. I had gotten behind on my payments previously resulting in a XXXX letter and calls to my family members, however I had just gotten my payments completely up to date. The company routinely accepted late payments and payments plans from me. Due to making a substantial payment, I needed time to get caught back up on the current payment. The rep from the company had been speaking to my father ( whom I have never authorized to speak to them ) and he advised him he would contact me to resolve the matter within that same week, meaning if I couldnt pay it, my father would. At this time, I was still within the 30 day window for the payment. My vehicle was then repossessed 2 days later. 2 weeks after my payment date, which the company had advised me no action is ever taken or considered until after the 30 day window had passed, which it had not, since it was still considered current at that point. I did not receive a new XXXX letter, I was told I was ok unless that were to happen again since it was considered a new default, which follows in accordance with MN state laws. After the repossession accursed, I was never informed of a date the vehicle would be sold or auctioned, I didnt receive any kind of notification from the company. I have disputed this account on my credit report numerous times, however the company continues to state it is valid. I have attempted to send correspondence to them to resolve this, however the mailing address they list is not a valid address for them. The vehicle was illegally repossessed and they violated almost all of the state laws that must be follow. The company was communicating through a 3rd party, my father, whom they assured I would be able to resolve the matter within the week, yet they repossessed before I would even make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone number that ‭+XXXX XXXX XXXX‬ AKA Credit Corp Solutions keep calling is not my number. They call from at odd times of the day and to the wrong number. My number is registered on the do not call list. I have no idea who credit Corp solutions is because I have not done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Chime stole XXXX from me. They then closed my account without me knowing and stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: New Mexico Educational Assistance Foundation
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: Account information incorrect

Complaint:
This is in response to New Mexico Educational Assistance Foundation and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by NMEAF. 
Upon asking NMEAF to correct some payment status information on my XXXX report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor NMEAF and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Southern Auto Finance Co
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. 

Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. 

Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. 

All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! 

Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. 

Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
In XX/XX/XXXX, I was charged a {$5.00} fee on my credit card for a cash advance I did not request through my bank. Then again in XX/XX/XXXX for the same amount and description. I went to my local branch to ask why I was getting charged for a service I never requested and was asked if I had asked for a cash advance or used my credit card in an ATM to take out cash, which I had not. I was ultimately told that I can not do anything about the charges on my credit card because it's the merchants fault by how they " charge '' my credit card and the next time I make a purchase I should be told if they will charge it as a cash advance or to ask them how they will charge my card, but even then they won't always know what I mean. Therefore, I am being charged for a service that I never requested and I can not do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX, & Experian are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.

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 2018-04-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am a veteran of the us military, after retiring I decided to get a newer model car, XXXX XXXX financed the car to me, my wife was hospitalized for a few months and all of the bills fell behind. I continued to make payments on the car last week the car was repossessed and a week later the bank sent me a default letter saying that I would lose my car if a monthly payment was not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, 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:
This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never  suggested that I was in the market for a loan of any sorts, yet Equifax continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the  loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore Quicken loan response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Reporting company used your report improperly

Complaint:
On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( Equifax, XXXX and XXXX ). They all claim that they are partners with these credit bureaus.

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation