BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which Has a XXXX. XXXX keeps transferring us to another company called vision. They hang up on us, claim they do not need to furnish us with documentation regarding this account. Then they tell us to call XXXX and XXXX claims they do n't answer questions in regards to collections. I have read and read about how this company has done this to so many individuals out there and nobody can understand how the credit bureaus do n't research what is being placed on a report that basically is the prime basis for an individuals life. This seems fraudulent on both XXXX and the credit reporting agencies. It ruins lives just like it ruined mine because nobody at the bureau took a minute to fully reaserach the information being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Global Lending Services LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have an existing loan with Global Lending Service with an APR of 21.45 % and I am trying to get this loan refinanced to lower the monthly payment but the lender Global Lending Service has been calculating the interest more than the 21.45 % that I have signed up for giving me excessing pay-off balance. I have an offer for refinancing of and APR of 5 % which is a very acceptable car loan interest that I would like to have to fit my monthly budget but Global Lending Service Manager by the name of XXXX XXXX refused to look at their database of not calculating the correct pay-off balance and the correct interest accrued according to the APR 21.245 %. Please help by calling Global Lending Service to review my manual calculation according to my car loan contract and not according to their database calculation. Their database is ripping off consumers like me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: KS
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 purchased a car at XXXX XXXX in XXXX XXXX kansas in XX/XX/XXXX. When they went to process the loan they had my credit checked multiple times. These are the lenders that all did hard inquiries on my account XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  my ex husband used my information without my permission. We were married at the time. I did not sign anything or authorize anything. 

XX/XX/XXXX XXXX XXXX my ex used my information without my permission. We were married at the time. I did not sign anything or authorize anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XXXX through XX/XX/2015 I experienced some hardship to my finances do to divorce and helping my mother out due to her losing her job and only source of income therefore all of my credit obligations were defaulted on. During these time I received false threats, from Navy Federal, legal action and wage garnishment. In addition to that false threats to contact my commanding officers as a tactic to pressure me to repay. Also Navy Federal misinterpreted credit consequences of falling behind on all my loans and credit card obligations. Then Illegally froze access to my accounts which enabled me to try to satisfy any other debts that occurred during that time frame. The accounts in question are as follows : Navy Federal Credit Card : Charged off XXXX Navy Federal unsecured Loan : Charged Off : XXXX Navy Federal unsecured Loan : Charged Off : XXXX Prior to the above financial mishaps I had no trouble with paying satisfactory on my financial obligations. There should have been no reason as to why they couldnt offer me repayment plans to help me fix the issue or contact me to explain what I need to do to straighten this out. I know its already 5 years but the route they took with me was unexceptionable and needs to be handled accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated, continuous calls all day everyday as soon as I 'm 1 day late on my payment to Conn 'S and calls continue everyday, all day until payment is made. I could be just 1 fay past due and I get harassed. No other company does this to me, not even my mortgage lender or my car loan company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This was removed before by all the rest of companies but for some reason TransUnion is still reporting it on my credit report

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 2020-08-17
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: Information belongs to someone else

Complaint:
I am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, 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 2016-12-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Previously, I submitted a complaint with Equifax about negative reporting from XXXX ( XXXX ), and they said if new evidence was found, I could open a complaint. 
I found more evidence and submitted a complaint XXXX XXXX XXXX, this is pending. HOWEVER, I now have even more evidence to remove the unfair negative reporting : I contacted XXXX to get the original dates of the negative reporting ( XXXX ), and would like to add that to the original dispute ( XXXX ). 

XXXX provided dates of the original debt, which was last paid in XXXX 2008 : 8 years and 1 month old. Even if XXXX or XXXX bought a debt from XXXX, they should not be able to report negatively on an item OVER 8 YEARS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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 status incorrect

Complaint:
Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}

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 2020-01-13
Company: Experian Information Solutions Inc.
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019

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 2018-04-05
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The refuse to follow The social security act that states that i am not responsible for the debt as I had Medicaid at the time of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid the auto loan off entirely in XXXX. Never heard from 53rd until I checked their site and saw a {$150.00} payoff fee in the description. Was 53rd just going to hold my title forever unless I called in?? I paid the {$150.00} fee on XX/XX/20, a week went by still no word or activity on my account. Called and after a 20 minute hold was told I had to wait 10 days. I have a buyer and trying to sell this car this week and 53rd is holding my title hostage. Escalated to a manager and was told there is nothing they can do. So they make you pay this {$150.00} fee three months after the loan balance was paid in full which is terrible, then make you wait longer and jump through hoops just to get the title. This is the second CFPB case I have had to open with 53rd in the past year. They are difficult to work with and do not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed. 
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification. 
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan. 
Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments. 
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house. 

Any help, assistance, advice, would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bridgecrest Financial - Acct # XXXX In approximately XX/XX/XXXX I was struggling financially to maintain my car loan after contacting the car company with a 91 day delinquency they informed me that my loan was charged off and if I wanted to keep my car a XXXX XXXX XXXX I would have to pay them {$1900.00} to keep the car and {$480.00} per month after that no later than the XXXX of the month. 
I have maintained this agreement until recently when I lost my job due to COVID-19 & a work slow down at my employer. 
My complaint is that on my credit report this loan shows as charged off and none of my payments have been noted or deducted, this account being inaccurately reported is having a negative impact on my credit life and it is causing me a great deal of stress and negatively affecting my ability to obtain new credit, a mortgage and new jobs. 
I have made contact with Bridgecrest and asked for a credit bureau update or correction and they informed me that nothing will change until the loan is paid in full. 
Please help me if possible looking for the account to show Im current since I have been paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the Fair Credit Reporting act XXXX Account name- XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX of the associated address is incorrect on the report. I have never been associated with the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working with FedLoan over the past 2+ years to review 31 payments that they marked as ineligible for Public Student Loan Forgiveness , but every time I or my husband call they say the review is still pending - most recently today ( XX/XX/20 ), and there is no resolution in sight. 

The payments marked as ineligible for PSLF in my online FedLoan account are claimed to be denied due to " No Bill '', " No Payment '', or " Outside Window '' which are untrue. These student loans were serviced by XXXX at the time and I have offered to provide billing statements from XXXX and statements from my bank showing payments processing during the disputed periods, but FedLoan has continually refused this documentation.

Company response to consumer: Closed with non-monetary relief