BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
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 submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX On my Equifax report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my Equifax report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX and XXXX is reporting a XXXX XXXX account that no longer exist.

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 2017-07-24
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally bank shows over 30 days past due. I dispute with credit reporting agencies they did not correct. Also spoke with XXXX at ally back, he said that it should be Corrected. They have not done so. I did pay pay the account late but was only 29 days late not 30. I paid on like on the XXXX of XXXX. They said I paid after that. Shows on mine and my wives files

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 2017-07-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When trying to obtain a loan modification after filing bankruptcy XX/2016, Ocwen has failed to comply with the bankruptcy courts to confirm the amount owed on the loan to be able to confirm my repayment plan to the Trustee as well as my numerous attempts to obtain the proper paperwork to have them assist me in a successful loan modification. I have also requested regular monthly statements to be mailed to me and these also have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: WI
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:
My Social Security number was mixed with another persons account which affected my credit score I requested time after time who made that mistake or error I was never given that information.

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 2022-01-29
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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2022-06-15
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Your company is reporting late payments to my consumer report. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX Date Updated : XX/XX/2020

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 2022-01-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was living at apartment ; they reported not paying the water bill as rent. 
At the time i wasnt living there but my name was on the lease. I asked my ex boyfriend did he get notice of this as for the management saying we had to pay he said no he didnt see any bill. 
I left for XXXX training XX/XX/XXXX i had moved out but my name was on the lease. Instead they took the mater to court i was unaware that they sent it to court. 
I moved out sent plenty of emails and visited the apartment complex to remove my name from the lease. They prolong the situation to remove my name from the lease. I left MD in XX/XX/XXXX. I had removed my name from the lease.

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 2022-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
A card was issued under my name on XX/XX/18, however, I did not apply for credit. Im in the process of purchasing a new home and I have not opened any new credit. This fraudulent incident caused my credit score to decline and could ultimately effect my interest rate for the purchase of my new home this is imperative to me. I also, do not understand if I pay XXXX to monitor my credit and my report was and is locked how did this happen? I need to have my name cleared and my credit score restored as soon as possible as I mentioned this will affect the purchase of my new home. Thank you in advance for your prompt attention to this matter.

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 2017-07-20
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I 'm XXXX 2014 I purchased a XXXX XXXX my finance amount was XXXX which is ridiculous even with negative equity. Santander Consumer USA is a joke. I was never told this simple interest. I have paid on my loan since then and my amount has barely been touch what I owe. It 's impossible to get anywhere near what I owe. I contacted them numerous times because we had a financial hardship. I have been harassed at work and cell phone with calls. I contacted them and went higher up. I did a program and lowered my payment for 6 months. It was supposed to be automatically withdrawn. It was n't. I was told no fees or payments would be accessed. I have some chat transcripts and more dates. I think they should have to eat the car and the money. I would gladly give back to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29
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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2022-01-29
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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Express Cash Mart Management
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Innovate Managed Holdings, LLC
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:
Please refer to Claim # XXXX This issue has not been resolved. I am still showing error marking on my XXXX Credit Report. Per XXXX they must update AND REMOVE wrong late, missed payment marking reported. 

I have been trying to correct this since XX/XX/2021 and still not corrected. I have called XXXX several times and nothing has been done. I emailed, called and sent letters and still the same. 

I am requesting that Innovate Loan Finance please remove late markings from XX/XX/2021 and XX/XX/2021 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Square Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Its a very complicated and hard to explain but I have fallen victim to multiple major corporations and my previous employer illegally accessing and changing my credit reports. They have intentionally mislead me, confused me and ruined my life. I can barely focus on my day to day simple activities. It has become unbearable they way they change emails, hide job opportunities and erase important information from my phone. It is the worst form of torture possible. The mental anguish is unbearable. I just learned I was part of some XXXX XXXX  that i didnt even agree to. My credit is ruined and I cant concentrate on anything. I am tying so hard not to apply for unemployment. Im living day to day and behind on all my bills. My credit report says I own property that I never have been to or know about. These companies have destroyed me. Between XXXX, XXXX XXXX XXXX XXXX  XXXX Tn. And cash app falsely submitting things and intentionally and knowing torturing me with there half truths and revised terms and conditions I dnt know who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.

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 2022-01-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ally Bank is not honoring the pricing on the commitment letter for a Mortgage refinancing despite the issue being a bank error. Details are below : I was given until XX/XX/XXXX EOB to upload documents showing sufficient reserves The application was prematurely denied on XX/XX/XXXX prior to the deadline set forth in the attached email I submitted documents showing sufficient reserves in the morning of XX/XX/XXXX which were accepted and my application was approved. 

Because the application was prematurely denied without allowing sufficient time for me to upload documents, when they were in fact uploaded by the XX/XX/XXXX deadline, my application was conditionally approved but not at the pricing set forth in the commitment letter. 

This is a violation of the terms set forth in the commitment letter by which the lender is obligated to make a mortgage loan at the pricing set forth in the document. 

Original commitment letter pricing for XXXX XXXX XXXX locked through XX/XX/2022 : .25 % points, 2.875 % fixed for 360 Months which Ally Bank has denied the request to honor. Instead they are offering the current market rate which is substantially higher costing me thousands of dollars more. 

In addition, I was informed at the time of applying, sales of collectible assets would be qualified as reserves as long as an audit trail was submitted. For this reason, I did not apply with any other institution as I was told a number of times that those assets would qualify as reserves. I was later told after processing my application that those assets would not qualify. The bank admitted to miscommunication but never moved to resolve the issue despite their error. 

Continued violation of bait and switch, miscommunication, and premature denial of application resulting in thousands of dollars in potential consumer losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who XXXX never heard of them. I had an auto account with Santander Consumer USA. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. Santander sold them this account. I do n't want to communicate with XXXX or their representation lawyers either. I want Santander to communicate with me about any debts that they feel I owe them. I sent a letter to XXXX and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with XXXX or their lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Advance America XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone Number : ( XXXX ) XXXX Payment are supposed to be taken out of my checking account automatically on the 5th of the month. Permission was given to authorize that several months prior. 

On XX/XX/2019 I receive a call that the XX/XX/XXXX payment was " late '' requesting me to rectify a mistake that they had made ... .demanding that I pay the payment by debit card. I said I will do that ASAP via online. The company has continued to call me on a daily basis, even though I told them on several occasions that " I will pay it online before XX/XX/XXXX. '' Today, I called the corporate number only to be told that it is " within '' their right to continue to call until the debt is paid. 

I even now have to place their number on block to prevent the calls. But now they are using another number listed only as " Private '' on my caller ID to continue the harrassing calls. 
All I am asking for is for them to listen to what I am telling them to rectify a mistake that they caused. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I was not able to pay my student loans instead of working with my income the company offered forbearance of the loan. They never told me that the interest rates were higher or that there was going to be any interest charged to my loan. They said that it was only a temporary stoppage until I could start paying again, been paying my loans since 2004 and still owe on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry XXXX. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
2018 I became really sick I contacted company Westlake Financial about options that I had .The car was reposed after I was told they were working on my file, I redeemed my reposion which westlake had taken the car out of my name I called them to advise them that the state of XXXX  DMV stated that the vehicle wasnt in my name and I could receive a tag or registration.I contacted westlake and all I got was the run around so I continue to pay and its been a whole year still nothing fixed so now Im like Im not paying until you guys resolve this issue

Company response to consumer: Closed with explanation