BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I used to have my student loans serviced through navient. I graduated in 1998 and was unable to pay the amount they wanted monthly. They never offered income driven repayment and kept putting me on forebearance. My {$3000.00} loan is now {$110000.00}. I did make some payments and then consolidated and am now with XXXX. Because they did not tell me about the income based repayment, I am now saddled with a large outstanding amount due to interest collecting. Never did they offer an alternative so that I could pay what I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check from the covid rental assistance. There was a number clearly stating on the front of the check to call to verify the check. They put a hold on the check and told me that they wanted to make sure the check wasn't a fake and to see if it would go threw. Another bank of america employee said that government checks put stop payments on the check. They wouldn't release part of it or call the number on the check to verify it. Completely diminished my character moral by insinuating the check was fake or wouldn't go threw with out even verifying it by phone. It's now the XXXX XXXX  and I haven't received a email, call, or text explaining why they continue to have a hold but let me know they will send the check back when it expires in 60 days if it doesn't clear

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 2021-07-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XX/XX/2020says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized 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 2020-10-28
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today, I received a Civil Court Summons from the law firm XXXX XXXX XXXX XXXX XXXX for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which XXXX XXXX XXXX posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: OH
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 numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX company has violated my rights multiple times by reporting such information -15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # 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 2018-11-29
Company: ALLY FINANCIAL 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: Report provided to employer without your written authorization

Complaint:
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.

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 2021-11-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo reflecting XXXX late payments.. Sent them bank statements as proof never later.

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 2023-07-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
please review the following accounts that appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  ( Original Creditor XXXX  ) Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
XXXX XXXX XXXX XXXX showing negative for both XXXX and Transunion. XXXX XXXX stated they sent the letter of deletion to all 3 companies. XXXX now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX  XXXX agreed to update so it wouldn't show as a negative. XXXX is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted transunion XXXX times to delete inaccurate reports on my credit report, so far they have not yet sent any information regarding this fraudulent claim they are reporting. I have sent them certified mail asking for debt verification with no response. I have also called them several times letting them know they are reporting inaccurate reports that I'm entitled to payment of XXXX per occurrence. " 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 2021-07-14
Company: AMERICAN EXPRESS COMPANY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Harley Davidson Financial Services Inc
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Harley Davidson Financial has been calling me at work. I have told them twice now not to call me at work. They called on XX/XX/XXXX at XXXX and I told them to not contact me at work. They again called on XXXX and again I told them not to contact me at work. When I got to work this morning, I had a message to call XXXX at XXXX XXXX. I XXXX the number and found it to be from Harley Davidson Financial.  They have also called my ex-wife and two of my friends in the last month and half. They have told them not to contact them and they continue to call them. They don't care about the laws and think they can do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: MORTGAGE EXPRESS, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a first time home buyer. At date of closing while signing documents, XX/XX/XXXX, I am expecting not to pay any closing costs - up to 7,000 with be paid for by seller. I am unexpectedly asked to pay XXXX to close. Realtor calls loan officer XXXX XXXX of Mortgage Express XXXX, OR, for explanation. XXXX tells me the loan program ( 1 % down HomeReady conventional loan ) is no longer available. That the 2  % paid for by government ( up to 5,000 dollars ) is no longer available and that I now owe ~ {$4500.00}. I sign under duress and have money wired. I go back to work and tell co-workers. They believe I have been taken advantage of/scammed. I call another loan officer of a different company. He uses the term bait and switch. Tells me the Home ready program is still being advertised on XXXX XXXX XXXX website. Tells me to get clarification from manager and to file complaint with state. I call XXXX. Manager is unavailable until Monday. He offers no further explanation. I file that night a complaint with the state of Oregon. I file a complaint today, Saturday XX/XX/XXXX online with the BBB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank blocked access to my debit card from XXXX. 
As an XXXX  American dependent on my XXXX XXXX income, loss of access to my funds caused me great distress and anxiety. Furthermore, Citibank did not release funds to pay a bill. My debit account was blocked. 

The potential for harm came because I was on vacation, away from home, by myself when the account was locked. 

There weren't any branches anywhere near my location, at the time, California. Phone calls with Supervisors were fruitless. 

Citibank did send another debit card to my home address however, I was not anywhere near there.

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 monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have placed fraud alerts on all of my accounts and have also frozen all of my accounts with the credit bureaus after someone tried to open bank accounts using my information and after ordering my credit reports this year, I noticed a ton of inquiries pertaining to auto financing. I attempted to dispute these inquiries with 2 of the bureaus so far both online and over the phone and only one has removed these fraudulent and unauthorized inquiries from my account. Equifax refuses to remove them stating that they are verified which is not true. I have not applied or attempted to apply for an auto loan as I have had an auto loan through another company since XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received this letter on XX/XX/2021 from UNIFIN stating that I owe for a bill that I opened an account 15+ years ago. I feel this is a threating action from this company as I have had my credit dissolved and currently only owe for 2 items 1 credit card and 1 XXXX XXXX card. I contacted XXXX XXXX and they quickly responded to me by giving me your information and also to contact the Attorney General in California. It seems as though this company is opening passed credit history that has been closed. The bill they sent to me does not have a description of what the item is. I feel this is unfair since this has been cleared from my credit report. I love all that I have read that you do to help consumers. Thank you. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX  and financed {$73000.00} in XX/XX/XXXX, I had missed a payment and Ally extended to the end of the loan, again in XX/XX/XXXX, I made the late payment fees and interest payments as they told me, then Covid hit and I like most people took an income hit, I called Ally and they told me just go online and hit button for payment assistance, I did and it gave me like 3-4 month extension and some smaller payments they said I think was late payments or interest which I paid and my payments would go back to XXXX on XX/XX/XXXX. I paid XXXX, XXXX, XXXX, and XXXX now noticed my balance hasn't changed since XX/XX/XXXX at all. I have paid XXXX in payments and not XXXX dollar went to principal and I supposedly already paid all late fees. They said because I got a 4 month extension for covid which rolled payments to end, did not waive them that all of the XXXX went to interest only, I asked well when does my payments start to go to principal again and they tale me they can't tell me till I pay them and it starts going to principal. So far in this loan since XX/XX/XXXX - XX/XX/XXXX, I have Paid {$18000.00} in payments, all payments missed still rolled to end and not waived, but only {$3600.00} of this went to principal I no way see this being legal, agreed too or even ethical, please let me know if this is correct and I can sent contract and payments and dates all payments posted.

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