BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
Called American Express, tel. XXXX. Paying off this closed account. 
Over telephone chose payment of entire amount due. Paid what was quoted ontheir electronic payment center as amount due. Got billed again an interest chargeof {$5.00} even though the machine informed I was paying off the entire amount. Spoke with a representative named XXXX. He said I had to pay this, could not be waived. I told him I wanted to appeal, said I could not appeal. This is a recurring monthly interest charge that should not be charged. The account was closed. The entire amount was paid off, why is there a recurring interest charge being billed. This is fraud. Want a refund of my {$5.00} that I had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent Equifax a dispute via certified mail on XX/XX/XXXX they received it on XX/XX/XXXX as of today, XXXX, they have yet to notify my about status of my dispute. when I get on their web site to check status, it says ( dispute date XX/XX/XXXX -- -- -completion date XXXX ), but when you go to results, there nothing there. as it has been over 30 days I have tried to call, but ca n't get a real person on phone. dispute is about reporting of child support. I contend that said child support should be removed as report date is over 15 years ago, ( XX/XX/XXXX ) ..I also called the state of Missouri, as this is where these XXXX child support cases come from. Missouri says that they are NOT reporting this as it is not their policy to do so on cases this old, especially since we made payment arrangements years ago, as they have been garnishing my pension and social security each month. my obligation with Missouri, per our payment agreement will paid in full by XX/XX/XXXX. it was my request to Equifax , that these XXXX items be removed, as they are over 15 years old and that these cases are closed. I have been working hard to resolve this matter with Missouri, and with all parties involved as I have been trying to repair my credit score, due to XXXX broken relationships, a few bad decisions on my part. please have them remove, as the way I read the guidelines, that these should have been removed long ago. I am no lawyer, so this is why I am turning to you for help. a person should not be persecuted for a few financial hard times out my control, such as layoffs, injuries, ect. the damage has been done, but years of reporting old cases by the credit reporting companies, serves no purpose but to keep a persons numbers down, so that banks and other loaning institutions may jack up interest rates. looks like coercion to me ... ... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
contacted  XXXX , Transunion and   XXXX   from   XX/XX/XXXX - X/XX/2017  conc erning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.   XXXX   list other people names and ssn on my credit report. The last updated report received from   XXXX   had full ssn of other people that is a violation. They mixed up files. only  1  address and employer should be listed on my file. Every time you call now everyone is a supervisor at  XXXX  and Transunion and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Since XX/XX/2020 I have requested XXXX to delete the account in question because of the wrongful reporting. XXXX is still reporting a Chargeoff account with a balance from XXXX XXXX XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection 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 2015-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
on XXXX XXXX, 2015 i received financing for purchase of a used vehicle yet to be determined. XXXX approved the loan, and told me to go find a car and i was all set. my first trip was to XXXX fl. and i told my salesman i did n't need financing, that i already had it and i did n't want any credit inquiries on my account. he assured me he would n't do that.. I left the dealer thinking there might be XXXX car i liked enough to buy, but decided to do a little comparative shopping.I ended up finding a vehicle online in XXXX fl. I went through the same routine, telling her I had financing and she said she would only do soft inquiries so it would n't show up on my credit report. I now have at least XXXX new hard inquiries on my reports to equifax XXXX, I am not sure about XXXX yet, and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed an issue concerning whether an account was already paid. I have credit card statements showing that the item was charged to my credit card. The result of that investigation came back stating the charge was verified. I disagree with that result, I have credit card documents backing my position. 



































i

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One has restricted access to my account ; of note they owe me money. Repeated phone calls have proven useless. They have asked for copies of ID, which has been provided. 

My credit score has been in excess of 800 for I think 20 years. There have been no questionable transactions on this account that I am aware of. 

The account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: Equitable Acceptance Corp
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan from Equitable Acceptance. They called me about payment and yesterday ( XX/XX/2017 ) at XXXX and at XXXX. They also called my work link at XXXX and a family member shortly after. They should not have this family members phone number. They informed her that they were trying to reach me or my husband about a personal matter. I pay equitable every month. I believe there were only two instances in which I was over 30 days in paying. 

I 'm okay with them calling me. However I am not okay with them reaching out to family members as this feel close to harassment, especially when they had already receive payment for this month ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a payment through XXXX XXXX whom then gives me a confirmation number, which then the funds are then drawn from my personal bank account. Seterus does not offer any other options for payments. I am elderly and on a fixed income, I have XXXX late payments and my account is current. Seterus is now saying I owe them a late fee for a payment that I clearly made to them. I called in to their care dept, they were not willing to help me and told me my payment confirmation number meant nothing to them and that I should than take issue with my personal banker for the lapse in payment. So I say again I 'm XXXX yrs old on social security with no other income and really ca n't afford to pay them for their clerical error. The funds have been in the bank since payment was rendered. Now They want me to travel to them and show proof of payment. I Am ready to give up. This company Seterus is awful and the web is litered with complaints of the same type of abuses. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2022 I missed appointment at laser a way now they claim I owe them XXXX I have been paying XXXX and Lexington law firm for 2 years and still this information is on my credit report. I want this account off my credit report, I have no documentation but I called numerous time to tell them I cancelled the appointment there was no payment used so I should not have to pay for services I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called Fed Loan services to change my student loan to an extended pay to get approved for my mortgage. The first time I called they told me that all that would happen is that I would have to opt out of IBR and then they would put me on an extended payment which would take about 10 days. I then spoke to a supervisor to try to expedite the process since I am currently living in a hotel for two months and need a letter stating what my payments would be under the extended pay so that I can get approved for my mortgage. The supervisor stated that I would have to make a payment first and that I could then be switched over. Fast forward to a week later, I called and a supervisor by the name of XXXX said that the payment I made would not count because I needed to get a bill first before I made a payment. After that it would take 2-3 billing cycles before they could switch me and give me a letter. At this point I became very frustrated because I was due to close on my house on XX/XX/XXXX and could not because of this. I explained to them that I needed a letter just a letter stating what my payments would be so that I could have a house to live in since I am basically homeless at the moment. XXXX would not budge or help me and was very rude telling me that I did n't understnad the process and that I would just have to wait the 2-3 billing cylces and that no one could help me with that. Crying at this point I asked to speak to his supervisor. She was helpful and said she would check on my account and call me to keep me posted. One week later, I am still waiting on a call from her. She has not called me to inform me and when I call I get the run around from everyone. Today XX/XX/XXXX, I am unable to close on my home on XX/XX/XXXX as scheduled. They said they are waiting on a payment ot post ( which the money has already been taken out of our bank account ) and that it would take them 5 business days to generate the letter which still does not allow me to close on my house on the scheduled date. All I need is a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: CONTRACT CALLERS INC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Checked my credit report and have a derogatory remark against my credit score. 
A debt of XXXX dollars for a electrical bill in XXXX, VA. 
I do n't live in XXXX. So of course this could be identity theft as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-11
Company: Consumer Portfolio Services, Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX XXXX XXXX from Consumer Portfolio Services on XXXX/XXXX/XXXX. The original loan was for {$20000.00} and I have been paying on this vehicle for 1 year 11 months and the balance is {$19000.00}. My monthly payments are {$470.00}. I have paid {$8600.00} to date on this loan {$1500.00} has been applied towards principle and {$7000.00} is interest and other fee 's. My vehicle has a blue book value of {$8400.00}. I do n't understand how it is legal for the principle balance to be so high after almost 2 years of paying this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}

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 non-monetary relief
Consumer complaint received 2016-09-28
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My wife took out several loans in the past with Sallie Mae, that were federal loans and she was able to consolidate them, however while I was going to school I took out the same loans but did not know that this particular loan had become a private loan when Sallie Mae broke away and became a private bank. I now have over {$45000.00} in student loans with Sallie Mae along with {$60000.00} in consolidated loans and was told that my monthly payments would be about {$550.00} on top of my wife 's student loan payments and my consolidated payments, leaving us with a {$1200.00} student loan payment each month. I explained that I could not afford this payment and needed to know what my options where. i was told I could defer the payments for 3 months but would have to pay a {$150.00} in order to apply for the forbearance. When I asked what my other choices where they told me that I would have to prove i could not afford my payments and that they could possibly lower the payment but this would extend it from a 12 year loan to a 20 year loan. I have not had good service from the company and many have no idea what they are talking about. I was told that i could consolidate this loan even though it was private, I was told I could do a year forbearance, and I was also told that I did not have to pay any fees. This loan company seems very incompetent and only worried about what they will get paid. When i finally spoke with a supervisor I asked " what do i do if I can not afford this loan, what are my options? '' I was basically told that there were no options except to pay the {$150.00} for the forbearance for 3 months or pay a lower amount or pay the loan off ( i ca n't afford to make payments and I am going to pay the loan off? ). So what was left is to not make payments because I can not afford them, kill my credit for 7 years as well as having my wages garnished ( if that is even possible with a private loan ). Someone really needs to look into the companies practices as I was told also by a rep that this was not originally a private loan but became a private loan when the company split.

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 2017-01-22
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
this company has made several threats of harm to my bodily well being has threatened to beat up my ex husbands boss come to my home and kick the door down tried to break in my garage and i dont even have the vehicle i was just a cosigner on it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.

Company response to consumer: Closed with explanation