BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: OneMain Finance Corporation
State: NC
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  report as of today reporting Springleaf Financial account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for Springleaf Financial to present a debt not owed by me from the original creditor XXXX, Springleaf Financial reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect reporting, Not correct social security number, with this Capital One reporting. The other credit Bureaus have been informed and removed the reporting yet XXXX  still remains as negative, false and wring information Capital One debt, is not associated with this Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2021 i called the loan company because i had been charged an additional {$35.00} with my monthly auto loan. I spoke to the representative " XXXX '' who informed me that the charge was a " late fee ''. There is no indication within the contract that that was a late fee. XXXX emailed me the page of the contract that indicated late fee charges, however, the document contained a signature that was forged with my name and no valid signature from the dealer. I asked to be provided a copy of the full contract so I could review the document and ensure it was identical to the original, and that i was not being scammed by this loan company who claimed they bought my loan from the original dealer ( XXXX XXXX ). XXXX stated he would send me the contract via USPS mail. When i did not receive it I called back on and emailed the supervisor, customer service, and XXXX on XX/XX/2021. I was then told that reps did not have access to the contract and that the funding department processed my request and would mail it out. yet again, Premier auto Credit failed to send me a copy so i emailed and called them again on XX/XX/2021. I was told by XXXX and another representative that my request had to go through the supervisor and i was transferred over to supervisor XXXX XXXX  extension where i left a message and followed up with my 2nd email to him. I called again on XX/XX/2021 I was then told by representative XXXX that the " funding department provided the contract to XXXX, who would be mailing it ''. To date this company continues to provide me with inaccurate information regarding my auto loan, they refuse to provide me with information requested, and has not fulfilled my request to obtain a copy of the contract they received when they purchased my auto loan. Most of the representative refuse to identify themselves by name ( when you ask their name they hang up in the callers face ), employees are extremely rude, short tempered, and make threats, and/or hang up the phone when individuals call in. I have made a total of 8 payments to this company and i now have reason to believe I am being scammed or that this company is acting in an illegitimate ( fraudulent ) manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My mortgage loan with XXXX XXXX was reported on XXXX/XXXX/2016 as missing the payment for XXXX 2016. This caused my credit score go down XXXX points. The same loan reported by XXXX on XXXX/XXXX/2016 show the payment made. See below XXXX report : Current Worst Payment Status 120-149 Days Late Date of Last Payment XXXX XXXX, 2016 Amount Past Due {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was a small case suit against me in XX/XX/XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XX/XX/XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted Equifax regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and EQUIFAX is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above XXXX components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the XXXX components under the FCRA and EQUIFAX is in essence breaking the law and I am requesting that they either show me all XXXX pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX XXXX XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX XXXX XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me*** 5. XXXX XXXX XXXX Date of inquiry was XXXX **I called XXXX and they find no evidence to support permissible purpose on this date listed**** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX got me a mortgage for my primary residence, owned by XXXX XXXX XXXX changed the service to My Loan Care ( myloancare.com ). Final monthly payment was paid to XXXX, but was not reflected in my mortgage. XXXX either did not send the payment or My Loan Care lost it. Both companies have given me the runaround since XXXX. I have no solution. 

Loan # : 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 2016-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX told me on the phone that this loan was 'satisfied '. So, it should not be on my credit report. I disputed it with Equifax and they refused to remove it. It needs to be removed. XXXX sold it to another company and it is showing as a 'charge off ' with the charge off amount of ' {$0.00} '. Makes no sense. This is false information and it needs to be removed by Equifax. I can not buy a loan because of this information on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent out a dispute letter via certified mail to Equifax on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from Equifax. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Scammers taking money from my credit card and bank account, ordering things not in my name but with my card and address

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 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: IL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have repeatedly asked for evidence to support Experian 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and Experian have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.

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 2015-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never received a bill from this place and do n't know what kind of service they provide. What ever the bill should hve been sent to my insurance which would be XXXX for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account was removed off my credit report on XXXX XXXX, 2016 and it was put back on my credit report, I have requested to removed this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed the fact that XXXX account # XXXX listed on TRANSUNION ONLY now, is inaccurate and should not be listed on my credit report, and excessive abuse of the FTC 's rules and guidelines for responding to a proper resolution in a timely manner with the proper evidence and facts. XXXX and XXXX BOTH REMOVED this item as it was listed inaccurately and did not have legal grounds to be marked against my credit report per FCRA and FDCPA guidelines. Transunion is in violation to these XXXX consumer laws and has ignored repeated requests over the last year to remove this. I have provided the confirmation number to the disputes showing a years worth of history, and the company simply ignoring my request. It is damaging my ability to get favorable rates on a mortgage. Please see that BOTH XXXX and XXXX have complied yet Transunion is refusing to play by the rules. Please reference FILE # XXXX. Attached is the document from Transunion as you will find this case number is linked to over XXXX disputes whereby Transunion just stated it was verified but never provided any of the following:1. Evidence their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: POPULAR BANK
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, with no warning, unilaterally decided to block all customers accounts from transferring even minimal amounts out. Because of that, I nearly bounced a check elsewhere. 

In trying to resolve it, they requested a proof of the account where the money came from which I provided. They said I should have transfer availability within 24 hours. Its been 3 times that, they refuse to let me transfer a miniscule amount, they refuse to let me talk to their fraud department and they refuse to let me talk to a supervisor. 

I am all for fraud prevention. But there is no fraud, there was no warning. This is just shoddy business practices. 

I will be closing my account as soon as I can without incurring a fee but I have no idea how much longer my money will be held hostage because of this pitiful excuse of a bank.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX 2017 XXXX XXXX account number XXXX listed a 60 day late that was previously disputed and deleted. Trans Union placed the notation back on the report on XXXX XXXX 2017. 


I had disputed this with Trans Union and they reinserted it. This constitutes fraud on their part for not maintaining reasonable procedures in cases of disputed accuracy and violation of the fair credit reporting act.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Accounts on my credit report are not mine and have not been verified by the credit bureaus.

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 2021-09-30
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am attempting to retrieve {$100.00} which was stolen via an automatic withdrawal from my personal bank account and deposited into someone's account at the ROBINHOOD trading company on XX/XX/2021. 

I am NOT and have never been a customer of this company. 

I immediately contacted my bank to stop any future withdrawals from my account. 

Robinhood only has an email " customer service '' and it seems to be automated because they are constantly confused, keep asking for the same information repeatedly and nobody has addressed my complaint.

All bank transaction information ( date, amount, bank name, transaction information ) has been sent to Robinhood so they should be able to determine whose account my stolen money has been deposited to. 

This back and forth has been going on since XXXX with no resolution and nobody to talk to at their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Seterus as I did get a late letter notice. But I also wanted a detaile escrow statement for 2015 with all payments & the breakdown of my taxes and home insurance. When I called, I was connected to XXXX and he found my payment was in escrow, not sure why. But I also asked him for this detailed printout. I had to call him back with my loan number and I got XXXX XXXX. Needless to say, this young kid was not only rude, he talked over me and all I wanted was this printout which I am entitled to. 
I have had several issues with Seterus in the past but I have been ahead with my payments in the past years, even paying more on principle. So my request should not be something that causes a customer service rep to get nasty about. 
This was on XXXX XXXX of this year and I have yet to receive my escrow printout.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: CA
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 company didn't notify customer when auto-payment fails, not by email, not by text. Let the late fee to roll up and customer find out of that 2 month later, then the company force the customer to pay {$100.00} late fee for {$120.00} unpaid amount, and report 2 month late in the customer 's credit report, which will be there for 7 years. That's the only bad thing on the customer 's credit report. 

The credit report company didn't show the unpaid amount, which is only {$120.00}, but only show there are 2 month late payment, and show there for 7 years, which is affecting customer 's financial benefit for 7 years whenever the customer is doing mortgage or refinance, it is super unfair.

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 2021-09-30
Company: EQUIFAX, INC.
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Over two month ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. To date, I have received no return correspondence from Equifax. They are supposed to respond within 30 days, and it has been more than 60 days.

Company response to consumer: Closed with explanation