BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: TX
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 Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is XXXX  XXXX XXXXXXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

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 2022-12-06
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for Florida XXXX ( homeowners assistance fund ) for mortgage assistance on XX/XX/22. XXXX sent a past due check in the amount of {$5300.00} the week of XX/XX/22 to caliber. Then, they sent out a check on XX/XX/22 for XXXX 's payment in the amount of {$1300.00} for my regular monthly mortgage. They sent a 3rd check for XXXX on XX/XX/22 in another amount of {$1300.00}. I have tried to contact Caliber numerous times and in a multitude of ways. I have tried calling ( told that they see no payments ), I have tried emailing the single point of contact along with my documented award letters from XXXX ( no response to over 4 emails ), and I have previously filed a complaint with CFPB to which Caliber told me it will take about 40 days to process due to how XXXX sent funds. It has been well over 40 days - it's actually over 60 now. Caliber will not return my emails or get in contact with me. XXXX confirms that Caliber has received the funds as the checks HAVE been posted. Nothing is posted to my loan and I am still being reported as late on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2023 my mortgage company Cardinal Financial approved a forebearance agreement for the months of XXXX, XXXX and XX/XX/2023 and my payments would resume XX/XX/2023. I was informed by the Loss Mitigation team I would not have to update any of my autopay information as the payments were suspended on their end, therefor no payments would come out. On XX/XX/2023 I received a letter that they received the authorization to change the date they use to draft my regular monthly payment. On XX/XX/2023 my mortgage payment did in fact come out. We have a written agreement that I did not have to make payments for XXXX. I did not authorize Cardinal to take my payment and as of XX/XX/2023 I have still yet to receive. I have been calling Cardinal Loss Mitigation for more than 2 months trying to get this resolved and refund me my money. Every time I call I get different information or promises I have a refund in the mail. I have called almost weekly for updates and continue to get false information. Our written agreement states I do not have to pay for XXXX, I did not authorize this payment. I want my refund. They did not uphold this forbearance only causing me more stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open a bank account at wells fargo and XXXX XXXX XXXXXXXX and I keep getting denied due to an account already being opened in my name

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 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Once again this company is charging me late fees because their auto pay is not working. After the last complaint, I set up autopay again in XXXX to automatically take the minimum payment due. My payment was due XX/XX/XXXX and autopay was on. They did not take the payment and are now charging me a late fee. This is a continuous issue with this company, every other month I have to call them. They have not fixed the issue this month. I want all late fees reversed and the payment to be taken on the due date!!! Stop overcharging me for their system failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: DISCOVER BANK
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a late payment of 30 days and 60 days reported to the credit bureau from the creditor Discover Student Loans. This occurred during the 2020 pandemic for the months of XXXX and XXXX of 2020. 

The account was paid in full in XXXX of 2020 and the creditor still did not remove my late payments that occurred due to the shelter in place law in 2020 during the pandemic. 

I have attempted to have the creditor remove the late payment history several times to no avail which is extremely unfair. 

The balance was small and not only that was paid in full immediately the following month after the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: PR
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, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency my 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.

15 U.S.C 1681s2 ( 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.

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 2022-09-26
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, Exeter Finance LLC., has violated my rights, thus this complaint for Unfair Debt Collection practice. I purchased XXXX XXXX XXXX on XX/XX/XXXX. The Auto loan was finance by Exeter Finance LLC. However, on XXXX XX/XX/XXXX, l suffer a job loss. After reviewing my consumer credit report, l noticed debt collection charged off by Exeter Finance. They alleged charged amount owed {$23000.00}. Amount reported to Credit Bureau {$25000.00} ... by Exeter Finance LLC., without proving any relevant additional contact information for account transfer see attachment F. 
I have made numerous attempts to contact Exeter Finance to address this debt obligation, see attachment XXXX XXXX XXXX, in an effort to make a payment arrangement and received no return correspondence. 
Subsequently, l attempted to dispute the debt from the Credit report and the Credit Bureau reported that the debt was in fact, verified by Exeter Finance and continued to report the debt see attachment XXXX XXXX. This Continued reporting without providing me a opportunity to paydown the debt is now creating employment issues for me as well as making it difficult to get hired due to the derogative reporting by Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My information was exposed during an XXXX XXXX XXXX. XXXX removed the late payment account on XX/XX/2023. XXXX XXXX entered the account and blamed it on the creditor. My information was compromised and led to unauthorized charges on my XXXX account. I have disputed this account with the credit and XXXX with no results.please see XXXX claim, and etc report regarding this account. this account does not have my accurate name. this account is unverifiable and late payments are not to be reported due to leak of my personal information

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 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: In progress
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are two accounts that I have been trying to get corrected for quite some time. 7 months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and Transunion reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by Transunion. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!

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 2022-12-06
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received an email from " # Alert Order PayPal '' XXXX Date : Tuesday XX/XX/XXXX XXXX stating I authorized a payment to XXXX XXXX XXXX Transaction ID XXXX, in the amount of {$790.00} USD. 

On XX/XX/XXXX I received an email from PayPal XXXX XXXX XXXX in the form of a bill submitted in the amount of {$580.00} USD via Invoice No. XXXX. 

Note : In XX/XX/XXXX I was able to close one Paypal Account and transfer all funds out of the other to another card to close it -- which they have apparently refused to do. 
I have no idea what account these charges were applied. 
In the meantime, since I refuse all communications with PayPal, they notified me via XXXX I have a $ XXXX refund check due from last year which they have not submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Ive applied and got the American Express Delta Airline Gold card with the 70,000 miles sign on bonus included. After I pass the spending requirement, Amex didnt give me the bonus. I called customer support many times and they were extremely not helpful and said things that are unrelated to me such as ( you had this card beforewhich is not true since its my first Amex Delta card! ) Im XXXX off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently have XXXX  Loans held by XXXX University and serviced by UAS. For the past three years, UAS has been erroneously reporting a default status to the NSLDS. Upon logging into their website as a borrower, it showed {$0.00} due as a payment and the account as being in repayment and current. They had their website coded on the front end so that I would see the loan as current and zero payments due, while at the same time sending opposite information to the NSLDS on the back-end that the loan was in default. 

In summary, for a period of at least three years, UAS has been providing information to the borrower that stated the loan was in repayment, in good standing, and zero payment was due while at the same time, providing information to the NSLDS that the loan was in default, not in good standing, and past due. These damaging acts committed by UAS were confirmed and acknowledged in writing by XXXX University officials via emails that are attached to this complaint. 

In addition, they have XXXX University listed as the lender. However, XXXX University has stated that they are not the lender but rather, the federal government is the lender, and they are just the servicer. 

Furthermore, during this time, XXXX University and UAS had the option to voluntarily suspend interest and payments for XXXX Loans in alignment with the 0 % interest Covid-19 forbearance offered by the Department of Education . UAS and XXXX University chose not to do this and instead, UAS erroneously reported my loan as defaulted. In fact, as of today, it is still being reported as defaulted to the NSLDS because they have not updated their records yet since they will only do so at month-end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021. My Equifax credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with Equifax, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : 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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Veripro Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  send us a notice recently dated XX/XX/2014 stating they were the new lender for the second mortgage. And that they will be contacting us where to send second mortgage payments. We never received any correspondence from them period about making mortgage payments. They alledged they send over XXXX correspondence that not true to us. I am asking them XXXX XXXX to provide copies of the correspondences, Also for them to provide to us are they a debt collector or a actual lender with their NMLS Number and a copy of the note recorded by XXXX XXXX on our property. Also requesting the Register Agent for XXXX XXXX to negotiate a reasonable settlement. I am asking CFPB to have the Federal Trade Commission to look at XXXX XXXX abusive collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Nelnet, Inc.
State: IL
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:
since my account was transferred from mygreatkakes to telnet, none of the three payments I have submitted have been applied. the balance changed on the account home, which I recorded in my monthly budget, but apparently that was inaccurate. Looking back, my bank statements also don't have record of withdrawal. In the Nelnet website, they have messages after every submission I made that they need me to resubmit. I do not trust them with my banking information. 

I unfortunately do not have screenshot of my principal changing on their website, but I have my budget. I recorded XXXX as my principal remaining the morning of XX/XX/31, and this morning received an email that my auto debit was returned. Right now I have multiples of my auto debit amount in my account in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation