BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and Experian ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Experian credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Experian Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX Experian has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

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 2020-04-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need a replacement social security card in a bad way and ssa.gov uses Equifax to verify identity but Equifax are giving incorrect security questions and answers and when I called Equifax they told me I needed to send them a photo copy of my social security card .... But proceeded to try to sell me access to my equifax account without the photocopy for money. This is fraud. And Equifax are hindering and rendering US government services incapable of providing those services in doing so. I desperately need to cash this income tax return check and I need my social security card to get a photo ID but Equifax are holding me up at the beginning. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have not received my title for the vehicle I have paid off XX/XX/2020. Kia Motor Finance will not release the electronic lien because they are not able to get in contact with the titles department. I have called for the last 30 days, every other day. Every customer service person from 5 supervisors to 3 managers has stated they have not received anything back from the Kia titles department.

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 2020-04-13
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I scheduled a payment that would bring my loan to XXXX balance. I scheduled it in the usual fashion. I have made large payments to my loan in the past with no issue. On XX/XX/2020 my bank delivered the payment. I didnt think much about it after I saw it had been delivered. On XX/XX/XXXX I realized the payment had still not been accepted. I called my loan servicer on the XXXX. They said they hadnt received the payment, suggesting I cancel the check saying it must be lost. 
Loan servicer is refusing payment on an up to date loan because it is too large of a percentage of the total. I said I wanted to pay off the principal of the loan and that if there were left overs to apply that amount to the escrow of the account. Then they said that I should ask for a payoff quote and that if I did they would be able to accept and apply the payment. All week I waited for the payment to be applied. I finally got a call back on Monday XX/XX/XXXX saying they had refused the payment because I couldnt payoff the account with non certified funds. They asked me to ask for a payoff quote ... I had simply wanted to pay the principal down so I wouldnt get anymore interest applied to the account. Then they used that as a reason to return the funds. I had offered to send an additional certified check for remaining fees left to close the account. 
After holding funds for 24 days they rejected them. Under what situation should a servicer refuse a payment on an account that is up-to date? 
Now they want to change me another month of interest stating they have to charge a full month because of FHA rules. 
How can a servicer refuse to take payments based on rules Ive never seen or agreed to. My loan documents say I can pre pay loan anytime and that it may be held and only applied on the payment due date. That day came and went.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit and found out there is a medical bill from XXXX Hospital in the amount of {$2200.00} that is not mine and I wanted removed from my credit. XXXX Hospital is the state of Maine I live in California never traveled to Maine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.

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 2017-05-21
Company: Tribal Lending Enterprise, Inc.
State: NH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Thursday  XXXX   XXXX ,  2017  @  XXXX   XXXX  I spoke to a representative o f Majestic Financial  and I was told that my payment scheduled for  XXXX   XXXX ,  2017  would pay off my balance on my account. I requested all communication be in wrting and to cease & desist all phone calls in an email that the supervisor had given me if I wanted to dispute the debt. I sent the email as instructed on  XXXX   XXXX  and I stated I was disputing this debt and i stated that if they feel as though I owe anything, to send me a letter in writing with my pay off balance. I received a phone call from their call center the following day,  XXXX   XXXX  @  XXXX  and I can provode cipies of my phone redords if needed. I also received a letter with no balance and threatening to take action against me if I do n't pay my balance. Under the Fdcpa, if a consumer disputes the debt, my understanding is the creditor has to send validation of debt and the balance owed. I requested this in writing within 14 days as instructed and have yet to receive anything outside of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Navient Solutions, LLC.
State: PR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On  XXXX   XXXX  I began a payment plan for my   XXXX   XXXX  /Navient student loan. After few months of paying, I got laid and become unemployed for several months, until  XXXX   XXXX  through  XXXX   XXXX .     I paid as I could.     On  XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on  XXXX   XXXX  but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,  XXXX   XXXX  -   XXXX   XXXX   called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The arti cle 805. Com munication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section  16  92b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not co mmunicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Comenity Bank sent me an E-Mail stating I was pre-approved for a XXXX XXXX, except the name on the pre approval was not my name but it was n't sent to my XXXX account. The name was that of my father-in-law. He does n't have a XXXX account and has frozen his credit, and I 've opted out of pre-approved credit offers. We 're both concerned as to why I 'm receiving credit card offers in his name. His credit information and mine should n't be tied together in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Capital Management Services, LP
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that time someone using my identity got XXXX car loans from XXXX XXXX. It appears that XXXX was gotten in XX/XX/XXXX and another in XX/XX/XXXX. Upon my release from prison I reviewed my credit bureau reports and found XXXX charged off accounts for these cars on my XXXX bureau reports. Upon contacting the bureaus, XXXX and XXXX immediately removed the items. Incidental to that was the fact that there were other credit accounts taken out in my name which all three bureaus removed and identified as fraud accounts. In the case of Experian while they removed all of the accounts they would not remove the XXXX car loans from XXXX. They have asserted various reasons for not having done so chief among them that XXXX continues to report XXXX addresses as mine when they are in fact not. I have attached a letter from the manager of a post office that Experian continues to list on my file as one of my addresses. You will note that the letter clearly indicates that the box was not mine and that I never had access to or used it. Likewise, after going through many changes I was able to procure a copy of some of the documents from XXXX which purport to have been mine however on the documents you will note that where my name appears it is crossed through, there is no evidence of identification having been provided, no confirmation of insurance by the dealer and a bogus insurance policy number. Likewise, the telephone numbers given for me are not mine and have been proven by the respective phone companies to not be mine and most importantly, on the documents that XXXX has provided, it lists an address that Experian has ALREADY DEEMED TO BE A FRAUD ADDRESS. I have also attached affidavits executed while I was in custody which indicate that I was in custody and that the addresses listed are not mine. In light of all of the foregoing, I believe Experian should be compelled to remove the negative items that it is reporting on my credit report. In so doing they are contradicting their own findings of fraud. The continued presence of these items continues to render harm in terms of my inability to secure employment and the denial of credit. I would ask that Experian be compelled to delete these XXXX items as soon as possible.

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 2022-07-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat  I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2015-08-29
Company: COMMERCE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
today ,XX/XX/2020, I received a notice from Comenity that my interest rate on new purchas es was going up to 2424 % from my XXXX statement rate of 14.24 % .I feel that this is an immoral and unjust increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, 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 just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. XXXX  has my name listed incorrectly 30times. I have tried disputing with XXXX has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: National Enterprise Systems, Inc.
State: PR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On    XX/XX/XXXX    I began a payment plan for my   XXXX   XXXX  / XXXX  student loan. After few months of paying, I got  laid   and become unemployed for several months, until  XX/XX/XXXX  through  XX/XX/XXXX .     I paid as I could.     On  XX/XX/XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on   XX/XX/XXXX   but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,    XX/XX/XXXX    - National Enterprise called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The article 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I accidentally attached the wrong image to my last request so I am re-submitting it. 

We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I sent a written dispute letter via certified mail to Experian. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Experian XXXX XXXX XXXX XXXX TX XXXX Account being disputed : XXXX XXXX Account Number XXXX Amount {$520.00}

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( 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