BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ACIMA CREDIT, LLC
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:
XXXX engages in predatory lending and illegally reports incorrect information to credit bureaus. I got a {$1200.00} loan in XX/XX/XXXX to buy furniture. I tried to pay it in full in XXXX of XXXX. In less than 5 months the interest they tried to charge me was {$1400.00} on top of the {$1200.00} principle. I refused to pay that amount and offered to settle for the principle plus 20 % interest and they agreed. I was also assured that nothing would be on my credit report. They reported negative payment information to XXXX anyway. When I disputed it, they updated my payment history with a full year of payment history that never happened! They're claiming to have received payments from me every month after XX/XX/XXXX until XXXX of XXXX when they claim I missed a payment. I called to ask them to remove it and thay told me no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
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:
Equifax will not remove fraudulent inquiry with XXXX XXXX and XXXX XXXX. Those are fraudulent inquiries. Police report file identity theft Equifax will not report my mortgage from XXXX XXXX  to my report after several attempts from XXXX and me to add to report. 

Equifax will not add my XXXX XXXX loan or authorized user account to my credit report.even after several attempts requested by XXXX XXXX. 

Equifax will not remove fraudulent XXXX  XXXX open on credit account. This account was fraudulent. 

Equifax will not remove fraudulent fXXXX XXXX XXXX  account open on my credit report. 

Equifax will not update my correct address XXXX XXXX XXXX XXXX XXXX after several verbal request and written requests. 

Please I ask you to request Equifax update my report immediately for these collection are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card balance has always been paid on time, never late. XXXX XXXX XXXX, I started having issues with Capital One stating I had not paid my balance. When this would happen I would directly contact my bank which would in return send the necessary and requested statements to Capital One showing the tracking number and when the payment came out. In late XXXX XXXX, Capital One contacted me stating again that my account was past due. At that point I thought the best option was to pay the balance ( again XXXX and according to Capital One they would issue me a refund check once the initial problem had been resolved along with the accuring interest that would totally just over {$900.00} for everything. Every time I called Capital One I would get another story about them processing the paperwork and that my refund and new card would be issued within the next month. Every week I would contact them and find out what the update was. I have been in contact with the fraud department at Capital One since XXXX XXXX and I have yet to receive my refund or my new card. I also asked if they had cleared my credit the the XXXX main bureaus because I did not what it to be affected because of something that was out of my hands. Over the past month I have called Capital One almost on a daily basis to see what the hold up is and this past week XXXX XXXX, XXXX, I was told to expect the card and refund by XXXX no later than today. At XXXX p.m. XXXX XXXX XXXX I realized that yet again I have been lied to about what is actually going on so I called and spoke with the company yet again. This time I was informed that they could see a card had been issued but no tracking number could be found. I also asked about my XXXX XXXX considering I have spent some time improving it. 

I just want my credit cleared and my refund issued back at this point. If you could look back at my payments with Capital One you will see that all my payments were paid immediately after a purchase cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Mr. Cooper Group Inc.
State: NJ
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 was my servicer and they no longer exist. Mr. Cooper/Nationstar handles the accts.I have amn open acct and showing delinquency after the mortgage was transferred in XX/XX/XXXX. I spoke to XXXX regarding this and they stated it is the responsibility of Nationstar/Mr Cooper to fix. Here is the complaint number XXXX for XXXX. 

nationstar does not want to fix it as they are stating XXXX put it on and has to fix however no one is at XXXX and it no longer exist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I got a title loan from Cash Time and completely paid off on XX/XX/2018 and they are refusing to release my title and have tried several times to speak to some one in  a higher position and the representatives ( XXXX ) refuse to provide me information or transfer me, the representatives act very unprofessional and untrustworthy I don't know at this point if they are trying to steal my car and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX, 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 2017-09-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.

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 2022-10-25
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to a dealership to get a vehicle and was approved by Santander at XXXX XXXX XXXX with no credit history and they furnished information on my consumer report that wasn't 100 % accurate and refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Santander to specifically send me the signed documents they have on file concerning the account. I have reached out to Santander without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them in North Carolina. I believe Santander misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnishment of information given to credit reporting agencies. I am making this complaint due to Santander failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) the right to properly dispute this account. Santander failed to give me enough information regarding how any deficiencies left on my auto loan would be calculated after the car were repossessed. Santander also engaged in deceptive servicing practices and actively misled me about the rights and risks of partial payments and loan extensions and added miscellaneous fees to my account after the sale of the vehicle. Santander broke several FDCPA, FCRA and XXXX laws and I want them held accountable. I will also XXXX : the attorney general XXXX XXXX about this matter. I have attached a copy of a letter that was sent to Santander.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying my student loans back on-time to EdFinancial for the past 10 years. During Covid, after the federal government stopped the repayment of loans, I was expecting that my automatic payments would continue, and it was a good time to make up ground on this loan. I logged into my account in XX/XX/XXXX, to find out that they had stopped my automatic payments since XX/XX/XXXX, without my consent. I had to call them to request that my loan be taken out of forbearance. Today, XX/XX/XXXX, I logged into my EdFinancial account, because I noticed that my payments weren't happening again. This time, EdFinancial put my account in forbearance without my consent, in XX/XX/XXXX, because I'm in school getting my XXXX. I have been in school since XX/XX/XXXX, so I'm not sure I understand why this happened all of a sudden. Also, they said that they mailed me a letter, but I never received anything in the mail. They also sent a secured message to my EdFinancial account, which I would have to log into to see. I was never notified through email that I had a message waiting to be read. Also, the status read " Payments will restart in XX/XX/XXXX ''. I just read on your site that forbearance can only be extended for 12 months, yet they weren't going to restart my payments until XXXX. Which doesn't make much sense, because I'll be done with school in the fall. Regardless, I don't understand how this company is able to make decisions about my financial status or situation and change my loan. This feels as though they are trying to make up for the interest missed during Covid, and they are using sneaky tactics to recoup this money, and I don't appreciate being taken advantage of. Had I not logged into my account both times, I would have never noticed, and additional years would be added to my repayment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: FIRST REPUBLIC BANK
State: CA
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 was applying for a bank account for a XXXX XXXX XXXX at First Republic Bank and I gave my SSN and did not authorize them to run my credit but they ran it anyway. This is unacceptable banking behavior and I hope you can let them know their mistake and remove the negative points on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Skyline Financial Corp.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX XXXX, representing my sellers in this transaction that has gone bad. My formal complain is against Elite Lending, specifically XXXX XXXX, XXXX XXXX and XXXX XXXX who were all involved in the buyers loan and cc 'd on every message that went out. Close of escrow was scheduled for XX/XX/2022. After several attempts trying to get in touch with XXXX XXXX ( XXXX, XXXX ), the buyers lender, I got a hold of the owner of Elite Lending, XXXX XXXX XXXX ( XXXX, XXXX ) on XXXX trying to get answers as to why 12 days prior to closing, I still had not heard from an XXXX. I was completely unaware at this point that there was even an issue with the buyers loan. I had been in receipt of 2 loan status updates ( one on XXXX & XXXX on XXXX ) that stated the appraisal had been paid for and ordered on XXXX ... which was completely falsified information. I had been advised the evening before from the buyers agent that the appraisal had not been ordered which is what prompted me getting in touch with the owner XXXX XXXX was completely unresponsive. I'd also like to point out that the closing date mentioned on the XXXX was incorrect as it stated the 2nd when in fact it was actually the 1st. After speaking with XXXX several times, he stated that the loan was going to be denied bc the buyers employer would not issue a statement that the buyer was expected to continue to receive additional income like bonuses and overtime pay. Why this wasn't done in the beginning, I do not know. 
At any rate, the lender issued a loan denial letter stating " income insufficient for amount of credit requested '' signed by XXXX and the transaction has been cancelled and the buyers XXXX money was released to the buyer.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-25
Company: I.C. System, 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: Account status incorrect

Complaint:
I XXXX XXXX XXXX two years ago and went to XXXX XXXX XXXX XXXX XXXX. They had me coming back weekly for XXXX. I gave them my XXXX XXXX XXXX XXXX XXXX for my co-pay for each visit. Two months ago, I received a letter from IC System ( acct # XXXX ) Stating my account was in their hands with a balance due of {$340.00}. I immediately put it on my XXXX XXXX XXXX XXXX XXXX I received the attached letter, from their attorneys office, stating the balance was paid in full on XX/XX/2022. I also sent the letter, verifying the account had been paid in full, to them. In reviewing my credit report, it still shows the balance is due. I disputed this with XXXX, however after they verified, since the information had never been updated, there was nothing they could do from their end. Today I spoke with XXXX at IC System, who said my file is confusing and still shows the balance due. I explained the story to her, and stated I had sent the Receipt that the account has been paid in full the end if XXXX ; Yet she stated they had not received that either. she tried to call her supervisor, who is not answering her phone. On the recorded conversation, she stated it should be cleared up by the end of XXXX. I am not waiting two months due to their incompetence. I am a XXXX XXXX and I do not need this additional stress.

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 2022-12-06
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Cbna bank XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XX/XX/2022 i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in august with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys

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