BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: Woods Oviatt Gilman LLP
State: NY
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:
The car has a balance to be paid on it after repossession then auction. 
there is a co signor that is not on XXXX. Per the collection agency they can not legally go after the person on XXXX to pay back the loan ( in NY state ). 
why is the co signor solely responsible to pay back the debt and there is no financial obligation on the person on XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Early Warning Services, LLC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have sent Early Warning Services a validation request twice to verify XXXX XXXX and XXXX XXXX XXXX and they have yet to do so. They continue to say that these negative accounts are verified, but they ca n't provide the proper documents that they used to determine the negative accounts verifiable. I DEMAND that this company properly investigate this matter or REMOVE these negative accounts immediately. They should n't claim that these accounts are verified if they ca n't prove how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: WA
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:
Several years ago, after repeated public disclosures of credit breaches, I went to the primary Credit Bureaus and established Credit Freezes. During the process of opening accounts a different financial institutions I was successful at releasing the freezes for a week or so and then having them established. I then had an issue with going online with Equifax to have the freeze opened for a week, and was rejected from the account. After several attempts they totally blocked my IP address and would not let me even attempt to access the account. I eventually reached their data center, and was told to fax my passport and driver 's license, which I did XXXX XX/XX/20 XXXX. After several weeks and no response, I mailed them another follow up confirming the fax with passport and drivers license and asking what more was required ( XX/XX/20 ). What was amazing was the on XX/XX/20 I received a notice ( dated XX/XX/20 and post marked XX/XX/20 ) telling me my security freeze would be lifted from XX/XX/20 to XX/XX/20. I could not believe it. I asked for a name of a person and a contact number to resolve the issue. I never hard from them. 
I have tried dozens of times to contact Equifax, but their systems do not allow me to even register a complaint. I get dumped completely. 
What is interesting is that they do allow you to buy a monthly membership to MyEquifax, for a fee, where they will allow you to talk to a person. The organization that controls the online access to remove freezes is a separate organization and they can only transfer you call, to an automated system that will just kick me off the call. It almost sounds like they are trying to extort a monthly fee to be able to access your personal account. 
What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of 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 2021-12-01
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: OR
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:
On 2 separate instances, I have had trouble with getting any record of my equifax credit report from them. I have 2 reports through XXXX  and XXXX that reflect my credit history, yet equifax has 0 record. On XX/XX/XXXX I sent a record of my identification confirming my Oregon driver 's license, Social Security and address to no avail. I was told I didn't exist, and even offering to share my other credit reports to no avail. 

During the span of XXXX my wife and I were attempting to secure a new car loan. During this time, we tried again to work with Equifax. During this time, we again sent the information, and even successfully pulled 2 credit reports from XXXX  and XXXX. I hopped on the phone with equifax and was told to send documentation again, and received a letter on XX/XX/XXXX saying I did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
invalid and unauthorized reporting ... I reached out to National Credit Systems to let them know about all the different laws that were broken they repeatedly hung up in my face and refused to answer or return any of my calls. There was a lady named XXXX XXXX who was handling the alleged account, who told me that an account was illegally verified and was not going to speak with me any longer about the account and every time I reached out she would answer and hear my voice and hang up.This situation has had me very upset that I was denied the chance to even dispute information and is holding my family and I back financially and even is holding me up from finding work, I wish we didnt have to reach this point but I am wanting to bring this matter up because I know I am not the only person that has been put in this situation with improper and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Yesterday i check my TransUnion credit report and noticed that there are unauthorized inquiries on my report. I called them 3 times and no one has offered to assist me in correcting the issue. I would like to file a complaint. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2017-12-19
Company: EQUIFAX, 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:
I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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:
I have sent numerous letters to Equifax Credit Reporting Agency, in regards to their continuing to add five derogatory remarks on my credit report. The five remarks are from XXXX 's XXXX XXXX. These remarks have been unverified for well over a year.I have sent letters to Equifax and XXXX 's XXXX XXXX as for proof of these debts, belonging to me. I have been passed back and forward between them, as to who's responsible for proving owe these debts. XXXX 's XXXX sent to me a " fact '' sheet with my name, address, and the amount of the debts that I supposedly owed! They have not provided any documents with my signature on them! In my letters to both Equifax and XXXX 's Agency, I pointed to FCRA regulations section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 7 ), in regards to proof I owed the debt! I also filed a police report from XX/XX/2018 noting this a fraud. I am asking for the CFPB to look into this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: JPMORGAN CHASE & CO.
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:
XXXX ) This is a business account and should not be reported on my personal credit history XXXX ) The account was paid off and I requested the account to be shut down b/c the business is no longer operational XXXX ) The lender continued to accept payments ( de minimus ) even though the request to shut down the account was made and I was led to believe the account was no longer active XXXX ) The lender churned the account with late fees and interest charges AFTER the request to shut the account XXXX ) I paid the balance off yet AGAIN from my personal funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Rocket Mortgage, LLC
State: NY
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 rocket mortgage to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Bridgecrest Acceptance Corporation
State: IL
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 have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance of my mortgage and Rushmoreoan Management Services obtained my loan. 
On XX/XX/XXXX, I contacted them to advise my home owners insurance had not been paid. 
Last week I spent over 3 hours on the phone trying to get them to pay my insurance from escrow fund that has over {$3000.00}. 
I talked to sever supervisors and they said would escalate my problem. 
XXXX XXXX advised me my insurance has expired. They contacted Rushmore to try to get insurance paid. As of today they still have not paid it. My loan number is XXXX and loan is XXXX XXXX XXXX. I would like to report them and get them to pay the insurance from escrow that has funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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 status incorrect

Complaint:
Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

SinceXX/XX/XXXX, I have documented repeated attempts to get my credit history corrected. It is XX/XX/XXXX, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a PPP loan on XXXX. The land was submitted to the SBA on XXXX. Over the course of three weeks I was unable to get anything other than ambiguous updates with no information whatsoever other than to just wait. On XXXX I was told a letter had been sent and that I needed to refer to the letter for any additional information. On XXXX I followed up with regard to the letter being sent with the details and was told I just need to review the letter which had yet to arrive. I followed up again on XXXX when the letter had still yet to arrive and was told that the letter had never been sent and that they were not able to complete the application. I asked to have the loan withdrawn to allow me to move forward with a more competent and communicative lender. I was told they could not contact the department to make the request but it would take a few days for them to submit. I explained dire straights my business is in and that I need to be able resubmit the loan during the window for small companies to make up for the time that has thus far been wasted. As of 3.8.2021 NFCU has still not demonstrated a willingness to withdraw the ultimately compromising my ability to move forward with a new lender. The lack of communication, lies, and deceptive practices our of the business banking side of NFCU and the unwillingness to withdraw the application are unfair and ultimately punitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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 status incorrect

Complaint:
I have a car loan with XXXX XXXX. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX XXXX contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. XXXX advised they would call back. They never did. XXXX filed with the credit reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.

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 2019-07-11
Company: Receivables Management Partners, LLC
State: MI
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:
Allied Business Services in XXXX, MI. Dates from XX/XX/XXXX - XX/XX/XXXX. Had serious medical conditions and was off work on XXXX. My mental capacity was diminished and could not handle any day to day activities. I would receive robo calls everyday or sometimes even multiple times daily and had no idea who they were from. I never received any physical communication via regular mail. I had issues with my mail and other individuals would even be handling my mail due to my mental capacity issues. As soon as my health issues were resolved I looked into all of this and found out they were medical collections from my health issues. I immediately paid them in full on XX/XX/XXXX. I begged Allied to work with me and please delete these from my credit file due to my situation. They declined and said they could not help me at all. I even talked to a supervisor and also got no where. They told me tough luck. This is now costing me a loan for a house. I have never been late on anything in the past and have always paid everything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made an appointment at XXXX for myself and another person. The contract is with me directly and XXXX charged me for both cancellations. As you can see, I was debited 6 times and charged twice for services not received. I agree to pay my cancellation however I'm not responsible for other persons payment. I have tried to dispute this with the merchant and bank of America and getting nowhere. I want my {$69.00} back. 

THIS IS A CONSUMER 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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am not filing a complaint against the merchant, I am filing a complaint against Capital One Bank ; Over a short period, I have paid the merchant a total of {$1100.00} to repair the engine in my vehicle, on XXXXthe merchant recieved 2 payments for {$120.00} and {$20.00}, XX/XX/2021 {$29.00} and {$42.00}, XX/XX/2021 {$400.00}, XX/XX/2021 {$300.00} and {$25.00} XX/XX/2021 {$35.00}, XX/XX/2021 {$120.00} and the last payment on XX/XX/2021 for {$45.00}. Upon getting my car back, it was worst than before ; Ive discovered my electrical system was all screwed up ; when Ive questioned the mechanic about repairs he stated the car already had electrical issues, but Ive. Ever experienced electrical issues prior to bringing him my car, Ive came to the conclusion the mechanic tampering with system is a money making tactic he use to get over his customers, especially with women. He wanted more money to repair electrical issues, but Ive declined additional service, and told him I will take car to commercialized establishment and have car inspected and that all I wanted was a refund for devices not rendered because my engine was still smoking in addition to electrical issues, he stated he will issue refund for trouble, but I have never redo it as of yet, by the time Ive attempted to request refund on XXXX XXXX he deactivated account, Ive attempted to contact him via phone/text but his number was disconnected, on XX/XX/2021 Ive called my bank ( Capital One Bank ) to explain situation and dispute transactions, the customer service agent that my refund would be issued within 10days after review ; shortly after Ive recieved and email stating they were working on my claim for the amount of of {$1300.00} which were a little more than what I have reported claim # XXXX they stated they will contact me shortly after review ; Almost a whole month has passed and still I have not heard back about my claim. On XX/XX/2021 Ive called Capiital One Bank to check on status of claim and I was told that my claim was denied due to not being able to contact merchant, Ive asked the agent, that could have been communicated through email, the. He apologize for inconvenience. I am very upset and frustrated with how the matter has been handled, due to fraudulent acts of the merchant and incompetence of Capiital One Bank ; I have lost over {$1000.00}, I wish to have my account credited for the inconvenience, I have been a loyal banker with Capiital one Bank for over 3 years now and they have not resolved my issue, I am very turned off from this bank, I am not pleased with the service ... .all I want is my money reimbursed back into my checking account, thank you for your time

Company response to consumer: Closed with explanation