BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a Letter in the mail yesterday from OneMain FInancial offering a loan up to {$10000.00} the issue is that there is NO APR DISCLOSURE on any of the 2 pages. This is very misleading and I want to make sure that the elderly do not fall for this. Maybe I am not sending this to the right channel but please this type of marketing should not be alllow. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to remove right away : KIA MOTORS FINANCE-XXXXBalance {$8700.00} KIA MOTORS FINANCE-XXXXBalance {$12000.00}

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 2019-04-08
Company: CARVANT FINANCIAL LLC
State: PA
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 checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX CARVANT FINANCIAL LLC XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I submitted a dispute to Equifax, XXXX  and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I RECEIVED NOTICE OF A DEBT ABOUT 8 YEARS OLD I DISPUTED THIS DEBT IN WHICH IT WAS FOUND TO NOT BE MY DEBT. IN ADDITION, IT WAS REMOVED FROM MY CREDIT REPORTS. HOWEVER, THIS COMPANY KEEPS RESELLING THIS SAME DEBT AS NEW TO OTHER COLLECTION COMPANIES AND THEY ARE REPLACING THE DEBT ON MY CREDIT REPORT. SO ONCE I DISPUTE THE DEBT WITH ONE COMPANY ITS REMOVED FROM MY CREDIT REPORT BUT MAYBE A FEW MONTHS LATER IT WELL BE REPORTED BY A NEW COLLECTION COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I filed a complaint fraud via Wells Fargo, of {$1700.00}, 10 business days later they only paid me {$300.00} dollars, ( Ill upload the proof via pictures ), they proceed to close my account which I dont really care, but they didnt pay me my {$1400.00} balance that was stolen from my account, I called them and asked them what made them come to this decision of closing the dispute, and the lady on the phone says that I didnt lose the case but they wont be giving me my money because I already filed 2 complains which they consider a lot of complains which again doesnt make any sense, they gave me {$300.00} and thought I wouldnt complain, they dont have proof I made those purchases, I dont own a cash app or have one, all I want is my money back. Also they never gave me a valid reason, they transferred me to multiple departments and wasted my time, I never talked to anybody that could help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: IQOR US INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling me on my cell phone and I keep telling them at it's a cell phone they are calling me on. I want it to stop

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 2019-11-01
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently in the PSLF program which is serviced by FedLOAN ( US Dept of Education ). In XXXX of XXXX, I noticed they had incorrectly calculated the number of " qualifying payments '' to my account. At that time, at their request, I made a formal complaint for a recount. I received a partial recount update last year ; however, again, they are woefully shy of the roughly 7-8 years of payments I have made since XXXX being employed full time by 501 ( c ) organizations, where I remain working full time teaching medicine to this day. 

I call FedLoan every 3-4 weeks and continue to be told, " we are sorry, we are understaffed. We no longer have a timeline when your request for a recount will be done ''. This severely impacts decision-making for my career and further negatively impacts my decision to consider working in an area of severe unmet medical need.

This process has now entered is 3rd year since my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$760.00} to the United States Department Of Education loan provider Great Lakes. Which was posted XX/XX/XXXX. The reasoning of this complaint is do to the fact that I currently have reviewed my credit report for XX/XX/XXXX. Understanding the credit report is inaccurate stating I owe a stagnant debt of {$760.00} to the Department Of Education for a federal loan. Do to the provider of Great Lakes company incompetency and failure to report my payment to the credit bureau agencies .I have a bank statement providing the evidence of my complaint and asking may this problem be rectified please. 

Great lakes contact number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX Equifax, XXXX disregard for consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX i got sick and spend a few days out off work. Two weeks after i was told by my Doctor that i needed XXXX i spend two months at home after XXXX and i receive a XXXX XXXX   XXXX check which was less than haft of my regular paycheck i wasn't able to make any payments on my monthly bills my utility bill was the only thing that was paid on time. 
XX/XX/XXXX i was able to go back to work and started paying all my late bills and was able to get up to date with everything.Thank God my mortgage is up to date. i check my credit report and i saw how much this situation affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: AZ
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 check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never opened a credit card account before in my life. No all of a sudden I go to apply for one, and theres a credit card opened in my name already. Someone has stolen my identity. And this is not the first time this has happened. I dont understand how someone can get my information and open up accounts thats not them. I need help to fix this asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Information belongs to someone else

Complaint:
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX  or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Data Search NY, 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: Account status incorrect

Complaint:
This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX and XXXX ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting a fraud account from XXXX XXXX on my credit report. I have made many attempts to resolved this matter and I need your assistance in getting this matter resolved. This is not my XXXX XXXX account please remove it from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX Account # 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 2018-05-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received an email alert to my credit file regarding XXXX XXXX that is on my credit file twice that I DID NOT authorize. I want to know how did this happen when I have the extended fraud alert on my account. I should have been notify properly and the police should have been called to the location that fraud was taken place. So I took the time to update my FTC fraud complaint and I have not notify the police but will do so come morning. I am asking that Experian remove these inquiries and address off my credit file PO Box XXXX XXXX NC. 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 2019-11-01
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to settle a debt to XXXX XXXX via their counsel, Levy Law Llc. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ XXXX. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad heat resulting in a change in personality that they are trying to exploit an imbecile. 

Also, XXXX XXXX wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion is currently listing a bankruptcy on my personal credit report. They have listed the source of this information as the U.S. Bankruptcy Court of Florida. The U.S. Bankruptcy court was contacted and they responded stating NO information was shared or verified with Transunion. I requested this information be removed from Transunion and they have stated that it was verified through the U.S. Bankruptcy court and it remained on my report. The paperwork attached verifies that the information has not been verified. 

I have attached it stating that the court does not report any filing to the credit agencies nor do they verify or validate such information with the credit agencies.

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