BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: NV
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:
This is my 2nd attempt to get this rectified with your organization in regards to these   XXXX   accounts reporting on my credit file. I am making complaints against  XXXX , Experian and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these   XXXX   accounts are on my credit file and where they originated from. I  continue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that. Congress states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company at   XXXX     separate addresses because the address listed on my credit file is not valid and was returned. I have only received  XXXX  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mail ( each time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on experian.com and   XXXX   that the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.

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 2017-05-05
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Inaccurate dates, addresses, loan amount increased, dates of loans are incorrect,  XXXX  different companies are claiming that my student loans are with them I do not recall owing some of the companies at the times listed on my credit reports. Some oe the loans were paid off and taken of my credit reports and are still showing up on my reports as delinquent!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It appears that there are Liabilities on my credit report that do not belong to me. Such as XXXX, XXXX, XXXX, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX LoanDepot issued an Escrow Surplus refund check in the amount of {$6700.00} on XXXX XXXX 2015. To this date i have not received the check. 
I have emailed, and called customer service several times to get another check sent out ( with a tracking number )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Credit bureaus are showing a bankruptcy on my credit report which was reported by US Bankruptcy Court. I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court.  I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from 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 2021-12-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.

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 2021-12-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
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:
Hello this account was opened in   XXXX   in  XXXX   XXXX  I live in  XXXX . This person opened this account was not me

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 2015-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card
Issue: Late fee

Complaint:
I had a XXXX XXXX credit card with USAA. I went online to pay my bill ( XXXX 2015 ) and it showed a balance of roughly {$1300.00}, so I paid it with my check card from XXXX. After I logged off, I remembered paying the bill previously and called USAA. I explained the situation that I had paid the credit card bill twice and would they refund my {$1300.00} that I had overpaid. They said that they would have to research the error on their part of not keeping their website up to date and issue me a check in XXXX days, and that that was all they could do. So I went to XXXX and cancelled the ACH payment and closed the account with USAA. USAA charged me {$36.00} for the cancellation of the ACH ( on a closed account ) that was paying the overage that was due to their not updating their website. They put a complaint on my credit report, even though I paid them their {$36.00}.

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 2021-12-22
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: Account information incorrect

Complaint:
I have paid both XXXX XXXX XXXXXXXX credit card and balances are XXXX. XXXX. 

CREDIT INQUIRY BY XXXX AND TRANS-UNION ARE UNOUTHRIZED AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT

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 2021-12-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have paid both XXXX XXXX  XXXX credit card and balances are XXXX. XXXX 

CREDIT INQUIRY BY EXPERIAN AND XXXX ARE UNOUTHRIZED AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT

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 2015-07-11
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
LoanMart took unfair advantage of XXXX year old XXXX XXXX by charging 101 percent interest on a car title loan. XXXX XXXX borrowed {$14000.00} to fund a sweepstake scam and was forced to pay over {$44000.00} in interest fees for the loan on a car valued at approximatel {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have contacted Capital One credit card three times on this matter. 

This is a dispute with Capital One. I attempted to make my payment on my account. I have never been late. The mobile app somehow did not take the dollar amount I entered, and a partial payment was made. The error happened repeatedly, but eventually showed the full payment and I thought it sent. I had no intention of making a partial payment. The payment was made from my Capital One 360 account, and the remaining funds were in there. I do n't use my 360 account for anything but making this payment, and I transferred money there to do that. 

I called and explained my situation, and the gentleman said he understood and had taken care of my late payments on capital One 's record and it would update with the credit bureaus. Please pull this call recording, or I will request the CFPB pull the recording in an investigation. 

The time and date of the Capital One employee telling me this was taken care of was at XXXX XXXX XXXX PT. 

Additionally, when on the phone for all that time, the representative failed to tell me that the payment was applied to XXXX and XXXX was still not paid. I would have paid the account that day had I known. My mobile app did not indicate this was late when I looked, and now I have two thirty day lates. 

I realize that Capital One must report the actual performance to the credit bureaus. However, based on the minimal control a consumer has if technical errors occur, Capital One should recognize my past behavior, my strive to build my credit and my conversation with them to correct this problem stemming from a technical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
On XXXX 2016, I spoke with Capital One in regards to my issue. I explained to them that I had issues submitting my payment online, which I thought that the payment went through. I went through my bank statement and notice that it did n't go through. I went on and explained to them that I did n't want it to harm my credit because I am submitting my payment at a later date. I also went into conversing with them, letting them know that I been requested to change my due date on this credit card. I have XXXX credit cards with Capital One. They assured me that this would happen, they would change the date. They assure me that they were not going to report to the credit bureau. They accepted my payment and gave me my confirmation. Now, I am just noticing that they did report my payment as late to the credit bureau. I explained to them over the phone the other day about my credit. They told me that it should n't have been reported and that I would need to get in contact with the credit bureau. I 've gotten in contact with the credit bureau and they told me the only thing I can do is dispute this late payment. I received the dispute and looked at it and saw that Capital One did n't change anything, they kept it the same. The representative assured me that my payments reflected that I made my payments on time but on my credit bureau its showing different. This have drop my credit score tremendously. I am so upset with Capital One and I thought they were suppose to help with your credit. I ca n't believe that the representative are trained to give the wrong information. I wish someone could please fix this issue because I am really upset at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TAMMAC HOLDINGS CORP
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Tammac Holdings Corp was paying  XXXX  a month for  XXXX  year loan  XXXX  payments starting  XXXX  for a  XXXX  dollar mobile home.   struggled in  XXXX  so they were able to lower to  XXXX  a month with modification loan.   I email them in  XXXX  to find out when loan will be paid off and Tammac said you have  XXXX  left but with  XXXX  payments left at  XXXX  a month. So now loan has another  XXXX  years just for knocking down payment  XXXX  a month at  XXXX  from  XXXX . Its a loan modification And was to be paid off in year  XXXX . So they are saying  XXXX  payments left and that adds up to year  XXXX  roughly. So i am paying  XXXX  in interest which is completely insane or even  XXXX  in interest. All of this just to modify home for a lower payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Certified Credit Reporting, Inc.
State: KS
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  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   ). On   XX/XX/XXXX  be cause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all  XXXX  credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX   and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There w as no explanation on how or why my credit was pulled this time either. I had n't even been into  XXXX   XXXX  office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed  My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX  and on  XX/XX/XXXX  w ithout authorization or consent.     2.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX . B oth without authorization or consent.     3.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on     XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.     4.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX  Without authorization or consent.       5.  Certified Credit rpdt  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted  on  XX/XX/XXXX . Both without authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello. I had a mortgage with Loan Depot for over 2.5 years. I have refinanced and the loan was paid off by my current lender. However, my bank sent one more mortgage payment, after the loan was paid off and Loan Depot received the money. Here is the transmission information : XXXX, and the confirmation number is XXXX. However, Loan Depot is telling me they do not have the money and they are not refunding XXXX which my bank paid on XXXX/XXXX/17. I have not been able to get anyone at Loan Depot to check into this and get me my money back. I have a ton of correspondence and I called, at no avail. Loan Depot is not entitled to this money and they need to return it to my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid 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 2016-09-19
Company: NTFN INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We purchased a home on XXXX/XXXX/2016 and the loan was to go through NTFN. Our rate was to be 3.75 % which we agreed on and signed on the paperwork that was sent to us 3 days prior to closing. When we went to the closing table at XXXX on XXXX/XXXX/2016 the closing paperwork on the loan had been changed reflecting the interest rate was at 3.65 % and we had to come out of pocket more money at the closing table. This was not what we agreed on nor what we wanted. This in my mind should be illegal if it is not, but I am pretty sure it is since we had to wait 3 days to close after we had received the paperwork from NTFN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
offed  XXXX      AA advantage point if spent {$3000.00} in 3 months.
Gave {$1500.00} limit.
paid more for the account to be in credit but freeze spending power not to get to {$3000.00} in 3 months

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