BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: Go Capital Holdings, LLC
State: MS
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 got a car with a loan from GoFinancial in 2016 for about 16,000 roughly, and ended up surrendering the car a few months later because the transmission was going out. It seemed smooth, I signed a document that said I would n't pay anything if it sold for less than what I owed at the auction and that I would get money if someone bought it for more than I had left to pay. Thought it was all good an clear then I look on my credit report and its on both and its also on my husbands saying we owed 5,000 roughly so I call GoFinancial with the paper I had signed and they are telling me its invalid and they cant help me, so then I try to report a dispute with both of the credit bureaus and they do nothing as well. So finally I had no other way to turn so I go on our base and go to legal and thank god they are taking care of it for me and we are finally going to have this off for good this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2017, I acquired a loan via Big Picture loans over the phone in the amount of XXXX dollars. I was led to believe that this would cost me XXXX dollars in interest over 6 months. To date I have paid via ACH from my bank XXXX and recently applied an additional payment of XXXX dollars to be applied directly to the principal. I contacted them today over the phone to express the confusion and asked how they could collect close to 3400 dollars in interest on a XXXX dollar loan and still be carrying forward a principal amount due of XXXX. I asked to speak to a supervisor and was then spoken to by XXXX. She sounded like she was reading from a script and kept stating that their system does all the calculations and when asked for the name of a human being that can make decisions, she had no reply but to once again refer to their system. I asked that the interest be stopped so that I could pay off the entirety in 4 more payments. She had no response except that I was welcome to pay off the loan early. In my financial position, this is not only improbable, but impossible. This loan is predatory in nature to say the least in that the payments over a 6 month span are 5000 %. 

While reading their documents, they appear to operate under Tribal Law, and as such portray themselves to be beyond the reach of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage Company closed my escrow account on XX/XX/XXXX. On XX/XX/XXXX, I requested a final escrow statement through the date of closing. Mr. Cooper did not provide the requested statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Erroneous Direct Violation Of The FCRA Professional Debt For months now Ive been disputing these items im getting so angry please please remove these from my credit report these are fraudulent i file a police report and ftc report Equifax WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 

XXXX XXXX XXXX Opened XXXX {$310.00} XXXX XXXX XXXX Opened XXXX {$310.00} XXXX  Opened XXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: DC
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: Was not notified of investigation status or results

Complaint:
I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and BEST BUY/CBNA with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2017-10-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX of XXXX XXXX XXXX repeatedly calls multiple times a day. This is over an alleged debt from XX/XX/XXXX in which I do not recall having this credit card at all. Firstly, I do not believe this to be a debt I owe. Secondly, it would be way past the statute of limitations to collect anyway. I have conveyed these points to XXXX XXXX, to which he has talked over me and insisted that I explain to him my personal activities over the past 10 years and that I need to pay him today. The most recent phone call to which this conversation was had was today, XX/XX/XXXX. Please find below a list of dates and times he has called as of late and that is just what we can prove for this week. We anticipate there will be more. 

XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , XXXX   XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My complaint is addressed to the CFO, CEO, Registered Agent and/or their direct agents of Citi Bank . I have become aware of certain violations and would like them addressed and rectified. The application states that you are loaning me credit. This does not appear to be within your scope of practice. Where is the credit coming from? 
I am studying my rights and consumer laws and upon reading Regulation Z. Title 12 US code 24 paragraph 7 states ; " Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. '' I then came across the Case Laws listed below ; In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11 F 2d 83, 271 U.S. 669. 

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

Mr. XXXX XXXX said : The doctrine of XXXX XXXX  is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 103 Wis 125, 79 NW 229. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 194 NW 430.

It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 133 SC 202, 130 SE 759 ( 1926 ).
It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. Federal Intermediate XXXX XXXX XXXX XXXX XXXX, 33 F 2d 841, 842 ( 1929 ).

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 2017-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i was forced to register for an application called XXXX just to receive money that was transferred to me in the same way I 've done 100s of times. It was register or do n't get your money. 

Seems like BofA is trying to leverage their customers into using an application other than XXXX or XXXX, their competitors. 

I do not like being forced to use an application, this is probably an anti-trust issue as well. These banks are too big and bully people around.

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 2018-11-17
Company: EQUIFAX, 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:
Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am XXXX XXXX XXXX in XXXX XXXX/XXXX XXXX.

Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but XXXX XXXX after multiple attempts not only did not grant ; but then marked my account 30 days late.

After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, XXXX XXXX maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: Innovis
State: AR
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:
XXXX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX  IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL 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 2019-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED 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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED 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 2019-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within XXXX business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had account with XXXX XXXX XXXX they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report Portfolio Recovery collection opened account {$610.00} XXXX XXXX and the original creditor is XXXX XXXX XXXX. I didn't authorize XXXX XXXX to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: AMERICAN HONDA FINANCE CORP
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:
Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am 100 % commission in Real Estate/Mortgage sales. 
Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but Honda Financial after multiple attempts not only did not grant ; but then marked my account 30 days late. 
After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, Honda Financial maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request

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 2017-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has a collection on my report. This was a fraud claim that was approved then clearly not approved. I sent a check for the balance to clear it. I have the court paperwork. The credit report agencies refuse to accept this over certification from XXXX XXXX. I have asked my attorney to look into filing suit against each credit reporting agency.

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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not the person responsible for the charges made on the accounts. Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : 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