BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: CITIBANK, N.A.
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:
Citibank N.A. did a hard inquiry without my permission. Their authorization request to obtain my credit report did n't say that they will do a Hard Inquiry. Furthermore, the authorization to obtain a credit report is written in very small letters at the end of the page, making it hard to notice. To sum up, there was no approval for the hard inquiry, and Citibank N.A. did it without my permission. Even if I authorized them to obtain my credit report, I did n't authorize a hard inquiry! 
This is why I am asking the dispute of the hard inquiry from my credit reports!

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 2019-12-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Initially contacted the Citibank about apply Ohio SCRA benefits to accounts on XX/XX/2019 Received benefits for open accounts, but have been told they do not have records of my closed account. I have called them several times, with the last time on XX/XX/2019. I gave them the account number from my credit reports for a Citibank AT & T Universal that was closed and each time they told me it was invalid account number. I was unable to explain more than that and was told to find the full account number. I have attached old correspondence for that account from Citibank for reference.

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 monetary relief
Consumer complaint received 2019-12-19
Company: CL Holdings LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My social security number is XXXX. Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00} for two accounts. I appreciate Jefferson Capital Systems originally XXXX XXXX XXXX  accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Equifax has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to Equifax as well as XXXX XXXX XXXX XXXX. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuse to remove XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. From my credit report. Even thought these accounts where removed from XXXX  and XXXX  on. 
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I submitted a dispute online through Experian in XXXX for late payments with XXXX XXXX. the dispute was resolved electronically as item remains the same. I then wrote a dispute letter directly to XXXX and received a response and letter stating the information they reported is wrong and they will update the late payments to current and paid as agreed. The letter was dated XXXX XXXX XXXX. I waited for the bearueas to be updated. XXXX and XXXX updated the account payments from late to current but not Experian. I called Experian today and spoke to XXXX and told him I received a letter for the corrections and that the updates needed to be done on my Experian report. He said I have to send a dispute and they handle it electronically. I advised him that I needed to send the letter to a physical person for them to verify the information so the late payments can be removed and he said no. he said I had to file another dispute. I told him that I do n't want an open dispute on my credit file and I had already disputed and received a response from XXXX. He refused to help me, He only gave me an address, I asked for a supervisor and he said for what because a supervisor wont help me and will tell me the same thing. I am not happy with the situation and I need this account to be updated and correted as the letter states from the lender. 
filing an electronic dispute will only yield a dispute comment placed on my credit file and will not fix the problem. Experian needs to accept the letter from the lender and verify the information just as if I were a mortgage company requesting a rapid rescore with valid documents. but instead I am treated like trash and my rights as a consumer have been violated. I asked for his complaint department and he said they wont do anything. I offered to send a copy of the letter for him to verify and he declined. he said it all had to be electronic. I would like a response and the XXXX XXXX late payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to be updated as current just like the letter shows it should be manually and not through filing another electronic dispute.

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 2017-04-12
Company: Tri-State Adjustments, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.

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 2017-04-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was served by Midland Funding LLC, I have asked XXXX ( a law firm representing Midland ) for validation of debt which they have refused to provide me with any evidence that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( Experian, XXXX, XXXX ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: Innovis
State: AL
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: Public record information inaccurate

Complaint:
There 's a bankruptcy showing on my background check. As of XXXX XXXX 2017 these should be removed from reports. This is effecting me getting jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had issues paying my student loans in the past and have worked dilligently for years to ensure I could actually afford my payments. When my payments went up from $ XXXX/mo to $ XXXX/mo- I became unable to make my payments altogether. I applied for XXXX Loan Forgiveness and was indeed granted a {$17000.00} forgiveness on my {$130000.00} of student loan debt ( mostly interest and late fees ). This made my payments GO UP! I called Fedloan in XX/XX/2016 and was told I could change my payment plan which would lower my payments back to around $ XXXX/month- which I feel like I can probably afford. When I got my statement for XX/XX/2016- my payments amount had not changed from {$340.00} like I was told it would. I was also told I would get a month of deferment while switching to the new plan and would have a $ 5 monthly payment for XX/XX/XXXX. This was a lie and I was completely deceived by the people at Fedloan, almost like they wanted me to think I had solved my issues but nothing changed at all! I can not afford the new higher payment and am now in danger of default all because I was deceived and told things that simply were n't true. They have once again destroyed my credit and killed my financial future yet again! I wish I had NEVER taken a single loan out and honestly will begin telling my XXXX in class ( I 'm a XXXX ) that college is a waste of money. My loans are actively ruining my life, if I could declare bankruptcy on these XXXX loans I would! I am completely trapped and helpless in this situation- ALL because I was LIED TO!! Fedloan is perhaps the worst example of what happens when the Government gets into the loan business. Please hold this organization to account for destroying my financial life, time and again!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've Reached out to Experian, XXXX, and XXXX multiple times about unverified accounts on my credit report and have yet to get a response or deletion of those false credit report collections that 's jeopardizing my credit worthiness!!!

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 2017-04-17
Company: Exeter Finance Corp.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is now the XX/XX/XXXX payment that has been misallocated, this is also my second formal complaint. It seems that the only way for my payments to be allocated correctly is by me filing formal complaints. The current issue is my auto debit since XX/XX/XXXX has been {$300.00}. Now, XX/XX/XXXX the auto debit only made a payment of {$270.00}. Not only was this the wrong amount, it was also not allocated correctly. My simple instructions for my payments were to apply the minimum amount due for each loan group and any additional amount should have been applied to group A, my highest interest bearing group. I want my payments to be allocated correctly, i want my auto debit to be the correct amount, i want all my future payments to be allocated based off of these simple instructions : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. 
Since this is now the XXXX time i 've had an issue i want assurance i will not have this issue again. This is federal money that they 're handling and misallocating payments has already been a hot topic for a " competitor '' company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: LDF Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have a debt that is owed to Availblue loans, which is currently under dispute. This company notified my on XXXX that my account had been removed from revenue reporting services. I am disputing that availblue had the right to lend to me because they are not a legal lender in south carolina. They emailed me back stating that south carolina law did not apply to them and they would continue to collect on the loan. They gave an address to mail a formal dispute letter which I have done as of the end of XXXX. I have not gotten a response but I did receive a call from XXXX XXXX XXXX at my workplace today. I have previously been told by XXXX XXXX that they had a cease and desist order on my account, and by availablue that they had retracted my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. 

Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. 

Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. 

Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.

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 2017-04-13
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report at a mortgage lenders office. A TransWorld Systems has reported a delinquent collections from a medical bill in 2011. I called to settle this issue. They claimed that " the client '' does not offer settlement options and I need to remit the full amount of {$940.00} ( {$220.00} from XXXX/XXXX/2011 and {$720.00} from XXXX/XXXX/2011 ). I called the " client '' they mentioned to discuss repayment or settlement options ( the hospital ). They informed me that it was well past the statute of limitations, it is an old bill, and it has been deleted and is no longer in there office. At this point I called TransWorld back and relayed the information and continued to offer a settlement in order to close the debt with a one time {$500.00} Visa payment ( over 50 % of the original amount ). They continue to tell me that " the client '' does n't offer settlement or does n't have settlement guidelines. When I called the hospital back they informed me that they do not even work with this organization anymore ( TransWorld ). I 'm simply trying to to take care of this the best I can and it seems they continue to feed me false information on the origin or settlement options of this debt.

Company response to consumer: Closed with explanation