BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
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: Information belongs to someone else

Complaint:
Today i woke up to an account being on my experian report from XXXX. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to experian directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. Experian says that as long as XXXX   doesnt accept that my identity was stolen, then the charges stand. How is XXXX   able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX Americans and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a XXXX XXXX  since XX/XX/1999

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 2022-10-06
Company: EQUIFAX, INC.
State: MI
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 and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: SIMM Associates, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill in the mail for a crypto currency company named XXXX that was charged to my name. Im a full time college student away from home, so when I saw this I was extremely confused. There has been an instance of fraudulent activity involving my name and birthday. I have never used this XXXX app a day in my life. I talked to the collection agency and they sent me here to complete this form

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to your previous correspondence, Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In compliance with these laws the account that was not disputed by me needs to be reported. In regard to your claim of an alleged debt, in which you responded with furnishing deceptive forms in the form of monthly statement ( s ) pursuant to 15 U.S. Code 1692j, My affidavit still stands and must be rebutted line by line starting with jurisdiction any other response is not lawfully sufficient. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  X/X/17   , I emailed  the Executive office from Equifax about inaccurate information on my credit report. The Executive office emailed  me on  X/X/17    to try to r esolve the issue. I explain to the Executive office that I have an fraud alert on my credit report and I have submitted an police report. I have disputed many items on my credit report that was not authorize by me. I also disputed the bankruptcy on my credit report. I have spoke with the Federal court a bout them verifying bankruptcy on my credit report ; I was told by the court that they never verified any bankruptcy for me. I do n't know what kind of system these credit bureau use to verify information, but it is not accurate. On yesterday I received my update credit report, which the bankruptcy was deleted from my file. I loo k on   XXXX   XXXX   thi s morning and my score has dropped  XXXX  points, because Equifax has decided to add the bankruptcies back to my credit report. I have already spoken with the  Federal Court about verifying and the court stated that they never verified anything with the Equifax about bankruptcy. I need Equifax to resolve this issue, because if not I will hired an attorney to suit Equifax for not verifying acc urate information with the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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: Public record information inaccurate

Complaint:
Request for credit was declined based on inaccurate information, and inaccurate credit score. I am requesting to have the opportunity to open up credit based on accurate information. Making decisions based on inaccurate or incorrect information is discriminatory in nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans were transferred from XXXX XXXX to MOHELA on XX/XX/2022. Firstly, based upon information on the transfer page of their website, my account information should have been accurate as of XX/XX/2022 ( see attached document entitled " Servicer Transfer Status XXXX '' ). Secondly, based upon information previously viewable on my account page, my account information should have been accurate by no later than XX/XX/2022. Thirdly, based upon the explanation of the timeline of transfer, my account information should be visible ( see attached document " Welcome - Transfer to MOHELA '' ). Unfortunately, as of XX/XX/2022, my account information is currently inaccurate, showing good standing but a balance of {$0.00} ( see attached document " Mohela Account Home XXXX '' ). As I have not completely paid off my loans, my balance should not reflect {$0.00} and this information is incorrect. As a result, I attempted to call MOHELA on XX/XX/2022 about this discrepancy but the automated system informed me that they had no information about my account. Similarly, I can view no detailed information in my online account ( see attached document " Loan Detail Information MOHELA XXXX '' ). I do not understand why I am still unable to view accurate account information after being informed that my account should be up to date as of yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
Company: SUN LOAN COMPANY INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Sun loan company gss been deleted from my XXXX  and XXXX XXXX, and Sun loan Tgen sold the original loan to itself and gave it a different loan number making it look like it's another loan. So XXXX in reporting the same loan twice. The loan was paid IN FULL. Sun loan is not reporting it on BOTH of the loans showing up on XXXX. The two that show up ARE THE SAME LOAN ONE LOAN that they gave another loan number to report. The loan was charged off in 2017 however SUN LOAN continued to add interest on the loan more than 9 times maliciously destroying my credit and then Creating a Fraudulant account and reporting the fraudulent account as a second account Please look into it so you can see the Illegal as well as Malicious and fraudulent actions by SUN LOAN COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have funds in my paypal account, and they will not release my money until 180 days. MY account #  XXXX  XXXX  XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Got a loan from tower loan. Been struggling to pay. They wont work with us, but are harassing us, our family, friends, coworkers. Threatening, hostility, aggressive, dishonestly, screaming at me, accusing me of actual physical things that I did not do, stalking me, definitely, please call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Im challenging Affirm placing items on my credit report. I called them starting in XX/XX/2022 to resolve an account that was opened in my name as identity theft. I came across the account when checking my credit report with XXXX. When I requested numerous times for the account to be shut down and charges removed I was denied. After seeing someone had an account and credit card attached as payment forms, I attempted multiple times for the payment to withdrawn out of the persons account but it kept declining. When I finally tried the credit card on file, one payment cleared but when I attempted to process the other loans they had open the person went in and removed their account leaving a balance of loans. I did this because Affirm refused to close the account with the loan balances even though they were able to see the payment types had no connection to my info. Eventually I paid the balance to keep the account from going into collections and hurting my credit but Affirm reported the late payment anyway causing my credit to drop XXXX points even though I tried for 4 months to get a resolution from them that ultimately resulted in my credit being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, Transunion & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

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 2019-12-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage through XXXX 's website on XX/XX/XXXX. hey pulled the money twice out of my XXXX Bank account. They refunded the second payment, but then took the money out again 1 day later. It took hours of phone calls, including a conference call with XXXX, to finally get te double billing efundd on XX/XX/XXXX. They are now saying I am deliquent on my mortgage and they have not received any payment for XX/XX/XXXX!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX & Equifax ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: TX
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 have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a cell phone account with XXXX XXXX and moved to an area that had very poor service. I asked XXXX to allow me to opt out of my contract without penalty and they agreed over the phone. I cancelled my service ; but months later they sent a company called XXXX XXXX after me for the early cancellation fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since origination my loan has been sold to multiple mortgage servicing companies. I don't like the fact I have no control over this but I understand that's just the way it is. I've had a few issues here and there with some servicers but nothing like my experience with Lakeview Loan Servicing.

From the very beginning they have made errors and mistakes processing simple payments. I have had to contact them on a least 5 different occasions generally taking several calls for each issue. They like to give you the run around. " Email this here '', " call this number '', " We will call you back with a resolution '', " We will get it fixed '' then don't. 

The biggest problem has been my escrow account. They have messed that up 3 times now. I pay a shortage, on-time, they apply it to my principal. They fix the misapplication but don't re-adjust the payment correctly. They also don't re-figure the additional interest I was charged because of their mistake. This time it has been a 6 month process with multiple calls. Also being lied to by a very rude and unprofessional manager named XXXX. The issue is still not resolved. 

I've just had it. All I do is make my payments on time every month and respond accordingly and on time when something like a shortage comes up. It's so frustrating and I don't trust them to do anything right and feel like I constantly need to keep them in check or make sure they don't XXXX something up again. 0 % confidence in this servicer, zero!

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 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Never owned said vehicle finance by Navy Federal Credit Union. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.

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 2019-12-04
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working with this company since my first loan in XXXX. The loan forgiveness is misleading, the workers will switch how to pay the persons loan but then the loan suddenly doesn't qualify anymore for loan forgiveness. The " loan forgiveness '' is a scam- they charge high rates with few, if any, of ever reaching 120 payments. I have asked for copies of the hundreds of phone conversations I've had with them, they will not give them to me. 
I paid off my loan of $ XXXX on XXXX the check cleared on XX/XX/XXXX. The funds are " lost ''!!! And my account still shows a balance of $ XXXX, now my credit report has been dinged. 
Can you help? This is an awful practice!!!

Company response to consumer: Closed with non-monetary relief