BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: FREEDOM FINANCIAL NETWORK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a contact with XXXX law firm to consolidate all of my Credit Cards and personal loans to negotiate and settle each account. I deposited over {$11000.00} into a special account that XXXX would use to pay off accounts. XXXX has said they had no affiliation with XXXX. When I received the call from Consolidated-Plus Loans advising me that they would loan me funds to pay the accounts ; however, many accounts had already being settled and paid. There wasn't anything informing me about a 22 % interest rate, fees, or length of loan. The loan paid off is {$27000.00} for 5 years which is more than all the Credit Cards and personal loans combined. How the monthly payments equals the same amount i was depositing {$550.00} in the special acct for XXXX is uncomprehend nor understandable to me. Especially since there only three remaining accounts. Two XXXX XXXX and a chase. The XXXX XXXX accounts totaled {$10000.00} and the XXXX was {$900.00}. I tried to view the accounts I had and the dates of their pay off but all of that information has been deleted. These two companies are working together against honest people attempting to improve the credit worthiness and being taken advantage of. I can not have a 5 years burden on my back paying more the the original cost to pay off all of my accounts. I 'am a retired veteran of 24 years serving this country, 13 months in a foreign country to give companies like these two the right to use their power to pend American down financially under the impression of assisting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection account on my credit report for a company with which I have never done business. Fair Collections and Outsourcing claims that I owe {$10000.00} to them. I sent a certified letter to dispute this accusation and request validation, the company received and signed for the letter onXX/XX/XXXX. I have the electronic signature confirmation from the US Postal Service as proof. This company is required by federal law to place a " notice of dispute '' on my credit report within 30 days of receipt of my dispute. They failed to do so. I pulled by credit report again on XX/XX/XXXX and there was no such " notice of dispute. '' I have retained a date stamped copy as proof. They are in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I sent another letter which they received and signed for onXX/XX/XXXX.  This letter was to inform them that they violated the law and instead of pressing charges, I would be willing to refrain from further action in exchange for a deletion from my credit report with the 3 major credit bureaus. I have not yet received a response from them. This is very damaging to me and I think it is very unfair for a company to be able to break federal laws with no consequence. Please help.

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 2017-06-13
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My problem is with  Loan LLC . In  XX/XX/XXXX I paid two mortgage payments to  LoanCare s o that I can get advance my payments. In   XX/XX/XXXX   I pai d two  payments also ; I did n't know early payments was n't allow. I checked my payment histo ry one day to learn that the two  payments were returned to my account only they never put into my account. The payments were both {$620.00}. I talked to  LoanCare  about the money, and emailed them    XX/XX/XXXX  They told me to give t hem 5  business days. They said if I wrote about the same problem it will slow them down. It has been about 45 days now and I have not heard nothing about my money. If I had my money I could go on and pay the  one month I 'm behind. These people have made my credit  bad by reporting me for late payments and not paying on time. My payments were due in the  XXXX  and I was paying on the  XXXX . I was paying by money order when I first started paying and the  XXXX  money order was never cashed. I deposited that money order in  XXXX . They are the worst company to work with. My credit should never have been an issue, it was the company that had my money ; by right I 'm still a month ahead but they have harasse d about being two months behind ; although I 'm just one. They have sent me foreclosure letters. I have tried to apply   for Loan Modification and still nothing happened.

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 2017-06-09
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:
IHAVE MUTIPLE  INQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX ,  XXXX , EXPERIAN FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

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 2017-06-13
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company : Santander Consumer, USA Main address : Payment address :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , TX  XXXX   XXXX , TX  XXXX  Phone :  XXXX  I am   XXXX   XXXX   XXXX   and am submitting this complaint regarding Santander Consumer USA. Although, I only indicated one area of concern above, there are actually three areas : ( 1 ) billing problems ; ( 2 ) problem with fee charges ; and ( 3 ) problem with interest rates.
<P/>
I purchased a vehicle (   XXXX   XXXX   XXXX   ) from    XXXX   XXXX   (  XXXX , VA ) in  XX/XX/XXXX  for {$21000.00}. The monthly payment is {$6 20.00}. As of today, (  XX/XX/XXXX  ), the payoff price is {$21000.00}, which is {$320.00} less than the purchase price and over 24 monthly payments. This in itself ( still owing this huge amount ) is extremely disconcerning and absolutely a predatory method to attain revenue from customers that may have challenging credit. I have conducted extensive research about Santander 's practices and I am not alone in this abhorrent situation.
<P/>
I have contacted the vendor on a myriad of occasions in hopes of potential compromise or other suitable approaches that can resolve the issue. However, Santander continue to respond that since it is a Simple Interest Loan and that is the only loan that they execute, there is nothing that can be done but continue to make the payments. At the present rate, the vehicle will have been paid at least 3-4 times more than what it is worth.
<P/>
It is with the aforementioned unbecoming, predatory and unrelenting practices that I submit this complaint about Santander. This company and similar companies should not be allow to exist! I sincerely hope that there is something that your agency can do. As a   XXXX   XXXX   employee, good credit standing is crucial and Santander 's actions is a primary I can be reached at :  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collection company trying to collect on an apartment debt which NO way do I owe the amount stated. I lived in this complex for many years, gave a 30 days notice and moved and never even received my deposit back. I think this information is inaccurate and have disputed with no resolution. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 2017-06-13
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I
have been using Credit Karma for awhile now to get my credit report and help keep a eye on it it needed repaired and i have been working so hard on getting it back up agai  n, I want to say i 've used them for a few years now, they give you all your stuff thats reported on your credit report for free, good deal right!! NO, When you 1st log onto your accounts they have recommendations of loans, credit cards ect, I do have my own Credit cards, well i thought it was time to apply for another as my score has went up some and i 've been making on time payments for awhile now, so i go to the recommendations and i choose one, I apply i get turned down even tho it said my odds were good at getting approved for this card, this was last week, I go again today and i think I 'll try for one more card my odds were good again I get denied, Now they use everything in my credit report to give me these odds on approval rates, Now I have   XXXX   references on my credit report for credit based on their recommendations so now it will take a few years to get these off here, I do not pay for this service but i would like to please have this checked on, I do n't think they should be able to use it against me since i went on the advice of a company and took their word for it, They are sopost to give you good advice and this ended up not so good!
if you go to www.creditkarma.com with log in with my email  XXXX  password  XXXX  and check out the page it will clearly show you under recommendations which cards i have good approval odds for they are even still listing the cards i got denied for as good odds, even after being denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: AL
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 accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
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 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion refuses to report accurate information on my credit report. I have an XXXX XXXX account that shows a balance of {$700.00} that has been paid in full, I also have an XXXX XXXX account that is showing 90 days past due which is inaccruate. There are fraudulant charges on my account.I called XXXX XXXX who informed me that they have not received anything from Transunion to dispute the accounts. I have sent multiple letters to Transunion regarding this and have not received a response.

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 2022-09-12
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:
Someone has stolen my identity and placed 10 hard inquiries on my credit report. The credit bureau will not remove them. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 I received a deposit in my navy federal checking account via a XXXX transfer in the amount of {$300.00}. The following day XX/XX/2022 navy federal violated the Electronic Funds Transfer Act, by conducting an unauthorized charge to my checking account, in the amount of - {$250.00} for a checking line of credit, and another charge, - {$50.00} for a charged off credit card which is currently in dispute. 

The checking line of credit is currently a {$0.00} balance, as proven by the data navy federal has furnished to my XXXX and XXXX credit report. Furthermore it is notated as closed, paid, and current. On my credit report. Navy federal MUST have furnished this info to the Credit reporting agencies, Im sure XXXX XXXX XXXX didnt randomly come up with this info. 

Be advised Navy Federal Credit Union, legal action very well may arise from the actions you have chosen to proceed with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: HI
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 had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a report that was sent to XXXX XXXX via XXXXXXXX XXXX but have not gotten a reply from the police department at the present time. Thank you again for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I informed Macy 's of an account I did not have knowledge of until seeing it on my credit report. I disputed with the credit bureaus and they supposedly verified it. I took the next step and filed a BBB complaint as this is a serious issue. I filed the BBB complaint on  X/29 /2017 and  XXXX  from Macy 's executive office responded   XXXX  /2017. Her response provided the opened date of the account and notified me that it was being handled by the fraud department as of  X/21 /2017 which was before the complaint. She also notified me there was no physical copy of the application or signatures to validate the account. In addition she would not mail any fully itemized bills. She stated it can take up to 90 days. I called back on   XXXX  /17 and spoke to   XXXX   directly which she could not provide any assistance. She transferred me to  XXXX  in the fraud claims department who could not verify a phone number or an address. She stated there was no birthday appearing. She apologized and stated someone will mail you something to the correct address. My address was on the BBB complaint which they never once verified previously. Huge red flags.

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 2017-06-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I n  XX/XX/XXXX  I go  t a call from IQ data collec ting a debt in the amount of  XXXX  dollars ; at the time I believed this to be the  XXXX  dollar bill which I paid from  XXXX   XXXX  for a move out charge which turned out to be on a different account. Then I discontinued contact with  IQ dat a. In   XX/XX/XXXX  we discovered that the amount IQ data was charging us for was another amount arbor terrace put  on our account as a damages and others fee ; we then went into     XXXX   XXXX   and resolved the debt, we were not given a receipt. Come   XX/XX/XXXX  I beg an trying to te ll IQ data that the deb t was resolved but they insisted on me sending proof, by  XX/XX/XXXX  I had for gotten that I did not get a receipt so I believed I h ad one.   By the time I had discovered that I had no receipt    XXXX   XXXX   had s witched management companies from    XXXX   XXXX  . N ow neither of them claim to have my receipts but they both do n't have any debt under my name either. So now the only people who are still trying to collect are t he debt collectors of  course who wont be satisfied unless I pay or cough up a receipt for a debt that no longer exists.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief