BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a used car from a dealer that said buy here pay here. I thought the dealer did their own financing but instead they use Consumer Portfolio dand they are ripping people off under the guise that they help people with poor credit.My loan was supposed to be paid off in XXXX of XXXX but they told me that since I had 2 extensions it would be paid off in XX/XX/2023. Now I called them about why my balance is still too high to be paid off in XXXX and they tell me that the same 2 extensions are causing interest on the loan again. They are charging interest on top of interest. They are preying on seniors and people that have poor or no credit.I have been paying for this car for over 4 years and have been making my payments on time and sometimes early. I have also had to put in a new engine 2 times. the company told me to send in repair bills because the engine failed before 30 days after I had purchased the car and they told me to send in repair bills but they never reimbursed me nor did they return my phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Gusdorf Law Firm, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This Law Firm is very shady in their process serving business. Their vendor committed perjury in order to attempt and garnish my wages. I was never given the opportunity to appear in court as I was never served in my place of residence. The Process server lied and committed perjury in order for Gusdorf Law Firm to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: VA
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 now the third time I have disputed this duplicate mortgage account. I have tried many times to dispute this through the Equifax website but they keep returning that the account is correct. This is a duplicate mortgage account with the same servicer, same account number etc. Twice they have said they have removed the account but the problem remains that they are deleting the correct account. Because of this each time they say it is corrected and the next month rolls around where I make an on time payment the account is duplicated yet again. 

The correct account is XXXX XXXX with a balance of {$270000.00} last updated XX/XX/2023. 

The duplicate account is : XXXX that has not been updated since XX/XX/2023 with a balance of {$270000.00}. This duplicate account has not been updated since my last dispute which is why the amounts do not reconcile. The address is XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

I have attached a screen shot of the two accounts with the correct XXXX account and the duplicate XXXX  account clearly marked. 

Please delete the correct account. If you delete the correct one again this will just happen again next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c Sections ( a ) ( 5 ) States that 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 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX  XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a payoff to Navient on the loan ending in XXXX on XX/XX/XXXX, in the amount of XXXX, resulting in an overpayment of {$57.00}. Navient held onto this money for over 2 months due to internal policy, never asking me where to send repayment, and instead decided it must be the XXXX and issued a check that was sent to the wrong address. 
Regardless of whatever their internal reasons for delay were, this - {$57.00} balance was open and active from XX/XX/XXXX until it was finally returned to me on XX/XX/XXXX. And, per our contract, 5 % interest is due on any loan amount. I hereby demand Navient pay me due interest on their borrowing of {$57.00} for me for 2 months, which with 5 % daily interest on {$57.00} over 55 days comes to about {$0.00}. 
I wouldn't be this petty if it weren't for the equal treatment I've received from this savage monstrosity of a company. I request simply what I'm owed per our signed promissory note. Please find my signed promissory notes with Navient attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: MoneyLion 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:
In accordance with the Fair credit reporting act XXXX  account MONEYLION INC, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions. 15 USC 1666B : A credtior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 received emails from Bank of America and XXXX XXXX stating my application was approved for a credit card maybe about a month and a half ago. Maybe a week after I received that email I got another email saying they will be mailing my card to me. I then got in touched with both Bank of America and XXXX XXXX to let them know that I didnt open those line of credit. They said they would take care of it. I also put a freeze on my credit from all 3 credit companies. I just received s notice from my chase account that my credit score went down XXXX points. Could we fix this issue sj my credit goes back up to where its suppose to be. Please and 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 2022-09-30
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Home depot credit cards based on ( Citi ) is advertising 6, 12 months and 18 months financing and promotional- no intrest to deceive people. I paid card due on time but after that promotional period, Some balance was left. On month of XXXX XXXX I was charged {$650.00} on interest. I was shocked to see that. Based on the information I was told promotion is intrest free and interest accure after promotion end for balance left. 
XXXX in Home Depot informed us what type of promotional offer was it. So, I called homedepot credit and told the promotion is decieving. They are unwilling to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
I recently applied for a car loan and the place of business has indicated they can not find my credit report on Experian. I have contacted them several times they informed me they have two systems. One which shows no credit history and a back system that has my information. The credit union in which I am applying for the loan through says my report continues to say that I have not credit. The program they use will not access the backup Experian system. This is taking too long to fix, as this is not a problem I have caused, but one on Experian 's side. The lack of communication and not being able to proceed with the car purchase is unacceptable on there part.

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 2022-08-03
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number : XXXX I've communicated to PHH mortgage multiple times regarding PMI removal request since March/April time frame yet I believe they purposely sit on the case so that the PMI can continue to be collected while refusing to process my request timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I traded my car in for a small truck that I would be able to use in my XXXX  XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-08-14
Company: DISCOVER BANK
State: NY
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 wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: SLM CORPORATION
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi, In XXXX and XXXX of XXXX, and XXXX, XXXX and XXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and Sallie Mae. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report.

Secondly, I have 2 loans with discover student loans and 1 loan with Sallie Mae with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Paid 3 items and they are till on report. XXXX, XXXX and XXXX XXXX XXXX XXXX  just updated the account The other 2 are paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX and XXXX this credit card company tried to pull {$3000.00} out of my bank account the first was unsuccessful but the second time it was accepted. They were not given permission to do so I was not late on payments. I have called multiple times I have sent a letter like the agreement has stated and also called corporate with XXXX success of any reassurances that this will not happen to the other accounts I have with this company. They illegally took the money out and stated it was pulled and paid on the XXXX which no activity in my bank until the XXXX and again on the XXXX. Ive called and asked for recordings taken on the XXXX around XXXX XXXX  they said they could get them at first but no return calls or updates along with asking for an answer or investigation into what happened. Ive called customer service multiple times and am now being told not even the notes state what happened to my account. This company is trying to cover up illegally pulling money out of my account without missed payments from me as a consumer or with permission to pull with auto pay Ive told them multiple times that I did not give them permission to do this and nothing has been resolved with this company as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my bank account on XX/XX/18 for {$3600.00} which is from my auto insurance company for damages to my vehicle. Initially it showed it would be available the next day shortly there after, I got an email that it was on hold until XX/XX/18. I need to get my car fixed and it should not take this long to verify funds for a this type of check from an insurance company. I spoke to a customer service rep on XX/XX/XXXX which she didn't give a clear answer on why the hold. And even if so, they should at least give the option to cancel the deposit so I could take it to the bank it is drawn off of and have the check cashed by them.

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