BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I have tried to contact XXXX  Experian and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.

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 2016-12-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. 

Please indicate if your consumer protection department help. 
Thank you in advance for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX CFPB : Im a survivor of a XXXX, and now Im working, due to a financial issues, I purchased my home in XXXX XXXX XXXX XXXX XXXX Ca XXXX, for {$700000.00} and put a down payment for {$150000.00} I was stilled employed in the city of XXXX XXXX and earning {$75000.00} a year, after we got in the home we discovered that the house has a severe fire damaged, they re-paint, reconciled it with new sit ruck, we went to court, and there was a misrepresentation, fraudand negligence, but I was not awarded a monitory fund, due to my lawyers, missing someimportant documnts, to showed to the judge. I have to withdrawn my XXXX for {$75000.00} and {$15000.00} to supplement the legal fees, and fixed some parts of the house. At that time Im under a forbearance payment, the original mortgaged was XXXX XXXX, and they file bankcrufsy XXXX, on 2008, then my mortgaged become, US bank, Im under forbearance payment, and never missed the payment, but my house was wrongfully foreclosed, US bank sold it to the investors instead, I was given an eligible for Independent foreclosure review, and was awarded some money, I lost every thing, and what Im asking to US bank, that since they wrongfully forclosure my house, and denied my modification, instead they sold it to the investors for more than 65 % due to the fire damaged of the house, they should removed my forclosure records, because I never missed any payment to XXXX at that time, then US bank took over, and the federal banking regulators the office of the comptroller of the currency and the office of the governors of the federal reserve system, granted me an eligibility from this wrongfull forclosure. US bank should removed my records, Hoping for your prompt reply to this matter,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent Citizen bank a proper legal notice of contract rescission with the appropriate form and identifying information. They replied with a loan satisfaction letter, implying that congress had put in the US code something about satisfied loans not being eligible when quite the contrary. Congress specifically says ALL consumer credit transactions made before or after XXXX of XXXX  are applied to this subject matter. Citizen bank will be in violation of said code on the XXXX of this month for that marks their 20day limit after receiving notice. I am going to continue sending them letters until they send me my check that congress says they have no choice, but I just wanted a notice on public file as well. as of today the XXXX of XXXX, they are officially in violation on the law. A guy named XXXX received my service since Citizens refused to give me the name and address of the agent that is registered for process of service. He will be the one held civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank branch refused to accept pennies in a jar, about {$10.00} dollars worth. Bank employees said no US Bank in my area accepts large amounts of pennies. I called national customer service who said each branch can have its own policy, but could n't tell me a location that acually would accept pennies. 

Apparently the Federal Reserve does n't have a regulation requiring banks to accept pennies. If that 's the case, what value do pennies have if nobody is willing to accept them? If banks refuse pennies, and the Fed does n't mandate banks to accept them, then obviously neither one of them wants the pennies. This makes pennies worthless, so why would I, or any consumer, want them? What if consumers refused pennies as a form of change from merchants because they have no value? 

Finally, if the policy of banks and the Fed have rendered pennies worthless, why ca n't consumers melt them for the copper value? Pennies ca n't be melted because they are US currency, but should n't anything defined as US currency have a value of more than XXXX? 

Either the Federal Reserve needs to require banks to accept pennies, or it needs to allow consumers to melt them. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Member Client XXXX worked with as a loan Bank Teller form USAA on or around XXXX XXXX, 2015, the teller made an inaccurate dollar withdrawal from XXXX XXXX XXXX XXXX  account in the amount of XXXX. The correct amount should have been for XXXX dollars as check states, the reminder payoff balance of loan should have been pulled from XXXX personal checking, XXXX check issue date is XXXX XXXX, 2015 a  number of attempts to work with USAA to correct concern failed short, and reporting non accurate information to credit reporting agencies and not adhering to Fair Credit Reporting Act. Security data breach concerns were raised because of the additional XXXX dollars removed from XXXX XXXX  account was consider fraud, inaccurate again the number should have been XXXX. The action of a USAA teller taking more out of a business account caused insiffient funds with XXXX and 30-120 day delinquency on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Debt Recovery Solutions, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reviewed my credit report and see A collection account reporting as " 12 XXXX XXXX XXXX '' with A number listed to contact the collection agency along with A NY address. And A Date open of XX/XX/XXXX. I immediately sent the company A debt validation request certfied mail as I'm 100 % certain I've never had any contracts or any obligations of debt with this business. I waited 30 days and no response. I then called the number listed on my report and noticed the name of the company I was calling was " Debt recovery solutions '' which isn't the name they're reporting under on my report it shows " 12 XXXX XXXX XXXX ''. During our communication via phone the representative says " XXXX XXXX you don't recall having A loan with check into cash in XXXX? '' I was shocked as on my report it says open date XX/XX/XXXX not XXXX. I explained to the lady that I have NEVER EVER done any business with this loan company in XXXX or XXXX and have NEVER had A loan with them. I asked her for the original documents showing I owed this debt and that it was valid. She advised they already sent the documents on XX/XX/XXXX which as of today XX/XX/XXXX I still have yet to recieve. I asked if I could have the company bonding information since they are in NY to search my state website to see if they are bonded and the rep refused to give me the information. I'm not sure if this is A scam company but Im at A stand still as this company is reporting inaccurately on my report and not providing the legal orginal documents to show this is A debt I supposedly owed. They openedly admitted to reporting incorrect dates also. I really needs help getting this resolved as I have exhausted all resources that I'm aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2016-05-14
Company: U.S. BANCORP
State: PA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
i registered the gift card and am unable to use it.after several calls got a live person and they told me that it was registered to someone else.eventhough i can access the account and change the pin number.this is XXXX percent a scam

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 2016-12-19
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I informed the collection agency that my insurance company would be handling the account and that they should contact them. I gave them my insurers information and they failed to contact them and continues to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the Identity theft accounts from XXXX XXXX XXXX ( XXXX ) on several occasions. I have submitted everything they have asked for and more, Police Report, FTC Report ( signed and notarized ) XXXX signature page they sent and requested and my own Signature page. Everything has been signed and notarized. XXXX has taken the stand that I allowed myself to be ripped off and they are not responsible for that, I am the only responsible party. Actually they are the responsible party, they are the ones that should have safe guards in place to protect consumers. I have more documentation if needed. Equifax refuses to remove the negative information stating that XXXX has verified the account information, Equifax has also received all the information. Several times actually. I believe XXXX pays for Equifax 's services so it does n't even really get a fair evaluation. I have submitted legal documents to Equifax and they still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax - XXXX submitted my-Name-address, current and previous-date of birth-ss # Equifax than presented me with XXXX multiple choice, " verification '' questions, none of which had anything to do with me. 
Clicking the " submit '' button routed me to an error message, saying I had to XXXX snail XXXX mail them copies of my IDs if I wanted my ( once yearly XXXX credit report. 
When I pay for my credit report, I only need a name and a ss #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
there are XXXX public records ( bankruptcies ) reporting on my credit report, I have sent numerous letters as well as called numerous times to dispute these records ... US court sent a letter saying they do not furnish information to credit bureaus ... .and Equifax HAS NOT AND REFUSES to tell me the furnisher of this information and will not provide proof of the validity of these XXXX RECORDS ... .THIS IS CLEARLY A VIOLATION OF MY fair credit reporting rights ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company, Pressler and Pressler have sued me over a debt that I have disputed since about XX/XX/XXXX. They even tried wage garnishment XX/XX/XXXX which they lost that case because I was n't making enough money. Now, they have sent a sheriff to serve a writ of execution to my realtor broker, to garnish my next commission check to cover the alleged debt. No proof of court order either. It 's alot of money for me to just give up and stop the fight, but I do n't have any money to hire an attorney, either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A letter was uploaded Equifax XXXX/XXXX/15 to XXXX XXXX XXXX stating that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed bankrupt and it was discharged in XXXX of 2015 Equifax has not updated my report that I filed nor have they removed any accounts from my credit report. Also the car loan that 's on both of my reports should be removed. I tried to dispute with Equifax but they claim they ca n't never identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
They will not fix the problem and it hurting my credit score with credit applications and the information on all the accounts from Equifax are XXXX and from 2013. I have try to fix the problem with no avail, I have a lot of paperwork to justify my claims, from phone calls to sending out packages with the dispute. I just got a limited credit card from my bank and they told me that they were using the information from Equifax that stop my accounts in 2013! My accounts are active and in great shape!!!! Please give me an address to send the supporting paperwork and documents that I have!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an MSI I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Incorrect information is listed in my collections section. The collection agency, XXXX XXXX has reinserted a previously deleted account with false information. This is an account that I am no longer liable for and has now been added back on my report with incorrect dates as it is extremely past the allowed time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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:
This situation that I'm dealing with Identity theft is very stressful i work very hard to live a normal life. how can someone try to destroy my life with this fraudulent account that i did not authorize. please remove this account from my credit files thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A delinquent XXXX account in the charge off amount of {$19000.00} showed up on my credit report. It was disputed immediately as the name reported does not belong to me. The first and last names are correct, however the middle initial is not, nor is it an initial I have ever used in any of my records. The address connected with this account did not belong to me as well.

Company response to consumer: Closed with explanation