BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IN
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:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX  and XXXX stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made that month I can not make a principal only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Taylor Law, PLLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Taylor Law , PLLC, Located in XXXX, XXXX ( They represent XXXX , XXXX collection agency ) has filed/threatened to file a lawsuit against me over a Time Barred debt. The original agreement was with XXXX XXXX XXXX and according to their credit card agreement it is governed under XXXX State Law. The statute of limitations in XXXX is three ( 3 ) years, which expired in XXXX 2014, and places their suit in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX that went to AFNI collection agency. The original debt was for {$470.00}. I settled the debt with AFNI for {$230.00}. On XXXX XXXX, 2015, when I settled, I paid half of the settlement which was {$110.00}. It was n't until recently when I went to pay the settlement off that AFNI sent the collection BACK to XXXX XXXX on XXXX XXXX, 2015. AFNI told me to call XXXX to conduct any business/payments regarding the account. I called XXXX, they referred me back to AFNI. I went back & forth several times with both companies because AFNI said they could not do anything on the account because they no longer had the account. XXXX told me that AFNI never notated the account properly, so they do n't have any record of any settlement. They only have the original balance of {$470.00}, minus the {$110.00} payment that I made. So XXXX wants me to pay {$350.00} to pay off the account instead of the settlement amount that should have been documented by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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 XXXX XXXX XXXX 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 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was denied to open an account

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 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a Mortgage through XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a Mortgage was obtained through XXXX XXXX. The XXXX XXXX was used to refinance the XXXX XXXX. I have since paid the XXXX XXXX in full. According the XXXX Count Clerk of Court Official records a mortgage satisfaction from XXXX was never recorded. Bank of America is the current owner of XXXX XXXX. Title merger history for XXXX XXXX is as follows : 1. XXXX XXXX was bought by XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX was bought by XXXX XXXX in XXXX. 
3. XXXX XXXX was bought by Bank of America in 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 2021-07-26
Company: EQUIFAX, INC.
State: IL
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:
Equifax has listed fraud item on my credit file and I need to have that removed as soon as possible. This wrong item ( listed below ) is affecting my credit score and livelihood. Please delete this account immediately. ONLY Equifax has reported this fraud account on my credit history. I been sending dispute letter to Equifax and Equifax has been refused to investigate fraud account by sending ONLY ONE TIME LETTER like account was verified. Its completely destroyed my credit report. They have no proof of fraud account, they can't verify but still reporting. 
Here are the account Equifax has listed : XXXX XXXX XXXXXXXX XXXX Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to this account and/or transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX  is showing that I had a late payment in XXXX of XXXX. XXXX XXXX sold my account to XXXX XXXX in XXXX and then XXXX XXXX sold my mortgage to XXXX XXXX XXXX who still owns the account. So XXXX XXXX XXXX  should not be reporting and information on my 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 2016-03-22
Company: AFNI INC.
State: GA
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:
AFNI , INC is a debt collector that is attempting to collect a debt that is not mine. AFNI , INC has purchased the debt from another debt collector XXXX XXXX XXXX XXXX XXXX I have never given any information to or signed any contracts with AFNI, INC. AFNI , INC inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose.

Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

XXXXXXXX XXXX  XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
XXXX hard inquires by unauthorized Individuals a. Capital One Auto Finance, XX/XX/XXXX b. Capital One Auto Finance, XXXX XXXX, XXXX XXXX Capital One Auto Finance, XXXX XXXX, XXXX XXXX Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After Hurricane XXXX, I contacted Ocwen to inquire about disaster assistance. I was given four months and told the payments would be put on the back end of my loan. Today, I received a call form Ocwen asking if I had been affected by the Hurricane. I feel that Ocwen should have known this already, because you have a file on me. The conversation went on, and I was told I never sent the forbearance agreement back. I never received anything in the mail requiring my signature and stated this. According to Ocwen as of today, I need to make payment arrangements for the months granted the forbearance. Its shows I am behind on my payments to Ocwen. This is a scam, they never sent paperwork and now state it too late to resend it. Why did you wait so long to notify me or ask if they were ever delivered, was my question. I have not gotten a response, however they begged me not to contact you. This company is not forthright with important information and has a history of deceptive practices. This should not have an adverse affect on my credit, due to their deceptive practices and ineffective record keeping. 

I would like to have these added to the ended of my loan as agreed upon in the beginning and the opportunity to sign the paperwork reportedly sent months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US Bank ReliaCard that says it was for Washington DC unemployment benefits. 

I did not apply for those benefits, and I researched and discovered there is a scam in many states where people 's identities are being used to file false unemployment claims. 

I called the DC office on unemployment and when I indicated that I was calling about a debit card they transferred me over to U.S. Bank. 

One of the first statements the online recorded voice made was ( If you are calling about a card you received that you did not request, press # 1 ).

I pressed # 1 and was told that this was an invalid entry. Then it asked me to punch in the 16 digit card number again ( Which I hadn't been asked to do before ). 

I punched in the number on the card I was sent, and was told this was an invalid entry. I stayed on the line, and finally got to a point where they said I could wait to speak to somebody. Then it said the wait time will be ... ... .and it hung up on me. I've tried to get through to them but can not. 
When I researched online people in other states with the same scam have posted " Good Luck Trying to get through ''. 

This is a company that the government is using to fund money going to people. It is ridiculous that there isn't a rule that these companies must make themselves available to calls. Additionally, the longer I have to wait, the more likely this identity theft is going to impact my credit. 

I am requesting 2 resolutions. 

1. U.S. Bank Reliacard needs to provide an easy webpage to report fraud, and they need to have an easy call in system for people to get ahold of them. 

2. States or areas like DC that are using U.S. Bank Reliacard should not pass you off to U.S. Bank until they fix this problem, and should take the reports of fraud and deal with the bank directly.

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 2016-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I did not receive any phone calls or certified mail from the acting attorney ( s ) on this case prior to this judgement of wage garnishment. I contacted Pressler and Pressler , LLP on XX/XX/2016 to speak with the attorney ( s ) handling such case, however XXXX ( XXXX ) who identifies himself as a paralegal, but would not identify is full name informed me that the acting attorney ( s ) on this case were XXXX XXXX and XXXX XXXX , which had never contacted me regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter Young is a debt collection agency that has an account under my name in collections. The debt is not mine, it belongs to my mother. The apartment was given to me as a gift and it was agreed upon that she would pay the rent for it. One day, she decided to stop paying the rent and now all of a sudden I have this debt in my name. I tried to reach out to the debt collection agency to see if we could find a solution to this problem or at least have the debt removed from my credit and was offered no type of help. The manager, Mr. XXXX told me that my mother was seeking legal counseling about the matter, which I had no knowledge of. I tried to explain to him that the debt was not mine and all he was concerned about was if my age at the time and if I had spoken to my mother about it. Like I said, the apartment was a GIFT to me for graduating and now I have to suffer because my mother agreed to pay for the apartment and stopped doing so. XXXX XXXX is a very unprofessional business, they offered me no help and was rude to me when I tried to ask for it. They have no professional mannerisms at all and seem as if they dont want people to pay off their debts. They are okay with no finding a solution for situations when asked for help. Since the moment they have added me to collections, not once have they EVER tried to call or reach out concerning this debt. For the past two years I have never heard from these people!!! And when I call to try to come to a solution they completely turn me away, hang up in my face or transfer me to phone lines that are out of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 notified Transunion of a disputed account, which they removed only to put it back on my report a month later, I have never had a credit card with XXXX XXXX XXXX  with a credit limit of XXXX dollars, my limit was {$500.00}, I also have no knowledge of the purchases made on the card to reach XXXX dollars or when they increased my credit limit to XXXX, I have sent certified letter trying to get a detailed printout of what was purchased and have not received a response, I would like a detailed printout so I can, make a police report so I can get this issue resolved and I am demanding the removal of this derogatory account until they can provide me proof that this debt belongs to 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 2021-07-26
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:
Filed bankruptcy- Chapter XXXX in 2011. It is still showing up on my credit report. I have applied for a federal job and this might be a cause to not being eligible. All three credit companies still have this on my report. According to Georgia Bankruptcy court, this should have fallen off a while ago and they do not have control on what they report on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I originally disputed a portion of a charge from a XXXX XXXX XXXX, The XXXX, a division of the XXXX XXXX which is a division of XXXX XXXX XXXX with my credit card provider, CitiBank. I was precharged for an Advanced Deposit at The XXXX for items that I may use while at any of the XXXX hotels during my stay. The Advanced Deposit was for {$680.00}. I spent {$510.00} of that amount, so I requested a refund for the difference {$160.00}. Attached is all of the requested documentation from CitiBank that I provided as well as my final appeal that was denied twice. In the last email from CitiBank, attached, they stated that since The XXXX would not refund the amount requested, they could not assist me or refund the {$160.00}. All of the documentation as well as my final 2 emails to CitiBank are attached. I apologize if some of the documentation is duplicated. I am hopeful for a positive reply from you by invoking the Fair Credit Billing Act under your authority. Please let me know if you need any additional 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 explanation