BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )

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 2022-03-16
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I pay off my balance after every use. This last payment made on XX/XX/22 has completely cleared my bank and citi bank ( best buy ) emailed me confirming the payment has been applied. My available credit is in the negative because the payment is still not posted in away that releases the available credit. I called twice and the reps have informed me they do this because " citi bank knows all of the tricks in the book and they hold the funds for at least 9 days because people somehow get their banks to return funds '' This is a deceptive practice, as the email I received confirms they have received my payment, the automated line informs it can take 3-5 days to show as such ( well past that now ). They have no statement in our agreement made to acquire the line of credit showing they have the right to retain my funds for so long without allowing me to use the agreed amount of credit. I am remodeling my home and wish to use the promotions of percentages back for certain purchases within the time-frame provided by email, I am not able to do that due to inaccurately not allowing me to use the card. If this was a real and official rule, why have they only done it for this transaction? I have made much larger payments in the recent months with no issues. I am being treated as though they are assuming I have ill intent, where I have shown none. On the latest call, the rep said she was with a supervisor and would have it fixed in 10 minutes ( whatever that involved I do not know ). I then asked to speak to that supervisor and was transferred to another one with no knowledge of my situation at all. Her name was 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
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AL
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: GA
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:
Credit Reporting a gency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.

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 2020-03-09
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Titlemax I feel set me up for failure in regards to my car. Lender regulations state the Lender must verify income, check expenses to see if borrower can repay the loan by the due date. Clearly a single mother who made {$10.00} hrly could not afford a {$510.00} interest payment alone muchless pay down the loan. XXXX knew I had been having an issue coming up with that outrageous rate, my son had been in a serious XXXX and I made her aware of this. I also brought to her attention that no one verified my income to see if I am even able to afford such interest, no one verified my insurance and no one offered to help me at this time or offer me a way to keep my car. My car was taken Wednesday XX/XX/20 and no one contacted me to tell me where my car was or where I could get my belongings. Three days went by and still I had heard not one thing! I finally contacted XXXX and was told her hands were tied and she couldnt help me save my car. When speaking to the tow company he personally told me XXXX is the one I would deal with as she is the one who sends him to pick up the cars. She basically avoided dealing and helping me. This is our only transportation to and from work and school. My car is now being sent to XXXX to be auctioned off and I have yet to get any help from Titlemax or offer a way I could afford in paying for the loan. My car is worth {$10000.00} and my loan was only for {$3500.00} with an interest of {$510.00}. Ridiculous crooks! So because of their unfair business tactics and not willing to work with me to keep my car, Im out {$10000.00} and thats exactly why my income was never verified and I was set up to lose my car. The fact that she knew I was struggling to make those high of payments and not one time offer any kind of assistance to help, shows how low and crooked this company and XXXX are. When Texas band this practice I hope she looses the shirt off her back for how this affects my family and her inconsiderate attitude. She basically trapped me and I hope this company gets sued til they have nothing left. When she knows the regulations and she doesnt abide by them, then she personally owes for my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: LEXISNEXIS
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 several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Residential Credit Solutions, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries. 
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company. 

We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review. 
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax is allowing the creditor to reage the account so that it reports longer than the FCRA allows. Previous evidence shows Date of First Delinquency XX/XX/XXXX with FCRA reporting of 7 years. By calculating 7 years of credit reporting, this account should report until XX/XX/XXXX. However, it is now XX/XX/XXXX and this account is still reporting until XX/XX/XXXX, which the XXXX has reaged the account in order for it to report longer than FCRA law allows. I have communicated with Equifax with disputes and with the creditor XXXX with no resolution ( exclusion from my credit file ). 

XXXX is reporting the Date of First Delinquency as XX/XX/XXXX which is the date of the charge off. The date of first delinquency per FCRA law is the actual date of first delinquency that made the account delinquent and not brought current ( which is XX/XX/XXXX ). The DOFD has absolutely nothing to do with the date that the creditor actually charges off the debt and gets the account off of their books. XXXX is using the wrong date to continue to report. It is as plain as black and white. Please make them understand the FCRA law. XXXX continues to be defiant of the FCRA law on this account to do me as much harm as they possibly can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: GA
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:
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

JPMCB CARD SERVICE : XXXX / XXXXXXXX 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 JPMCB AUTO FINANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My personal loan with XXXX XXXX went to collections with them for falling behind in my payments. However, when I tried to make payment, I was told I could not make payments and would have to wait until the collection agency called to make payments. Months went by and I was never informed of how to may payments. 

I called them twice and spoke to the collections department. On a recorded line, I was advised that I would be provided information on how to submit payments. This never occured. My credit report keeps having negative remarks every Month. This account has been paid in full. I have tried to resolve this matter over and over, and they have the recorded conversations to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filling a complaint because Equifax has ignored my request to provide me with the documentation that their company has on file that was used to verify the accounts and failed to show proof of original signed contracts. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have questioned. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I would like to notify the CFPB that on XXXX XXXX, 2015 I received a notification from my Equifax and XXXX XXXX XXXX monitoring report that XXXX XXXX XXXX # XXXX was deleted and removed permanently from my credit report. I have just seen it reappear on my credit report after being gone for 4 months. Whatever has occurred is not legal and not professional. This account was insanely inaccurate and outdated past the statue of limitation. Its history was incorrect and so where the terms and balances and it WAS NEVER properly veered and subsequently deleted in XXXX. The fact that it has reappeared is affecting me greatly, I am fixing the inaccuracies and would appreciate the help of the CFPB to force Equifax to act lawfully and not try to ruin my life. I am a smart consumer, i am a student and becoming a XXXX. I have no time for this and would like to start my life now, please!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed the following account historical information with Equifax : XXXX XXXX XXXX account number XXXX and was told XXXX that this historical information has been deleted for this account. Please see attached XXXX communications from Equifax. 
I ordered a credit report today and the historical information for this account remains. 
Please permanently delete this information or account as promised XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried to secure a payoff and can not get through email or phone. This payoff the last piece to facilitate a refinance. They continue to state " it takes 7 to 10 bus days while admitting they received the request on the XX/XX/2022. In my opinion a ruse to post more interest charges. I asked to expedite through an XXXX but they left me on hold and told me there's nothing they can do. IF I fail to get this loan I will be in dire financial streights and as noted they are the only ones not cooperating with my request for help.This company has caused me severe escrow problems XXXX. Allegedly supervisor Custer " SERVICE '' " Our policy can not do anything to assist '' per Mtg dept. WILL NOT EVEN AYTEMPT TO XXXX speaks volumes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and CORRECTED right away. 

XXXX XXXX XXXX Late Date XX/XX/16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My credit for all  XXXX  bureaus is always locked until I unlock them. Recently, I decided to buy a new car, so on  XXXX   XXXX  I unlocked all  XXXX  reporting bureaus so that the car dealers could access my credit. I removed the freezes for just  one  day.  XXXX   XXXX  and  XXXX  automatically re-froze my credit on  XXXX   XXXX , but Experian would not do so even after I called them to do it. They are leaving it unlocked until I sign up for their credit-monitoring service that will coast me {$24.00} per month. I have appealed to them to freeze it up, to lock it up but they are refusing to do so unless I become a member of their credit-monitoring service. They keep sending me emails that my credit is unlocked. This is intended to frighten me into joining their credit-monitoring service. This is blackmail in the literal sense and has to be illegal. I simply want them to freeze my credit up again.

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2020, XXXX XXXX XXXX XXXX did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, XXXX XXXX was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.

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 2020-03-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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/2020, I went to XXXX XXXX XXXXXXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX  XXXX XXXXXXXX. They had no right to send my information to multiple sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
For more than a year I have attempted to close my accounts with PayPal/Synchrony Bank not only because of permitting scammers to charge OVER {$1000.00} ( An issue which was resolved by transferring the total amount of one card to a reputable bank and completely paying off the balance on a " prepaid '' account ). The company also gave my direct pay bank account information to XXXX XXXX for which they withdrew a direct payment of {$6.00} membership fees. Because of this violation of this company 's own privacy policy, I had my bank close the contacted account and create a new one for which I had to have printed and purchased new checks at my own expense. At that time I requested all accounts be closed which they have refused to do. I am attaching a copy their response. 
It is important to note all accounts have been paid in full for some months yet per the attached they refuse to close all and I have already found someone used my email address, changed the password and attempted a purchase. 
This will continue as long as this remains open.

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