BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Skopos Financial, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? 
So, my question is what can be done about this, I did call Yesterday XXXX, SKOPOS which was changed from XXXX at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for 7-10 years, what kind of craziness is this? 
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name XXXX is what is being shown on our Credit Report, even through they have sold out to another company .... 

Thanks.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$820.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} 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 explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has XXXXolated 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I received the results of my LexisNexis results of my dispute case number XXXX. They deleted a Bankruptcy from my file. I asked that they send their results to all companies which subscribed to their service such as XXXX, XXXX and XXXX. These companies are still saying LexisNexis is verifying a Bankruptcy on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a payment plan with both my Lowe 's and Amazon cards on XX/XX/23 with the understanding that I'm all caught up on any late fees/late payments. Synchrony, the company who issues the credit cards informed me multiple times over the phone ( recorded conversations ) informed me multiple times that there are no additional payments I need to make and I'm not considered late as long as I meet the minimum for the plan they put me on. I found out on XX/XX/XXXX that this was a lie after speaking with a supervisor and requested they investigate their conversations so this wouldn't reflect poorly on my credit report. They told me this would take 30 days and I never received any correspondence from them. They've abused my credit by reporting late payments that shouldn't have been considered late as they never informed me that I was behind when setting up this plan. They never sent the findings of the investigation even though they have recorded conversations.

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 2023-02-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Back on XXXX XXXX did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XXXX XXXX XXXX XXXX XXXX XXXX XXXX its showing that im late on my payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Consumer Adjustment Company Incorporated
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a XXXX XXXX XXXX adult who has lived away from home for more than a decade, but XXXX XXXX sent a letter to my parents ' address to try to collect a 4.5 year old medical debt that was never known to me. They said that they would accept 90 % of the original debt and consider it settled or report it negatively to credit bureaus if I didn't comply, but I was never informed of the original debt nor was my insurance ever billed for it. My attempts to contact the original medical facility to inquire about the debt went unanswered as the establishment does not seem to exist and I have no record or recollection of ever receiving services with a provider affiliated with XXXX XXXX Providers. After repeated harassing phone calls by this collections agency, I sent them a certified letter asking them to send me back a certified letter to explain that they were in compliance with HIPAA and had my signature on file to view my medical information, to verify the debt, and to stop calling me. This letter was delivered to their office on XX/XX/2021. The company never responded to this certified letter, never verified the debt, and has continued to call despite my explicit request not to contact me in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
HAVE A VA. was purchased by XXXX, services by PHH. PHH IS owned by OCWEN but PHH IS title as wholly owned subsidiary. 

Since XX/XX/XXXX I have requested by phone and by email to use forebearance under CARES ACT HR 748 section 4022!!!

They keep telling me. I can only do 3 months and them pay all. I have told them I am effected and impacted by COVID19.

I sent a copy of the law and the letter from VA guaranty which was made public!!!

A relationship manager was supposed to call. I gave them number to call. She did not call the number given. Then we called back and she was suppose to call this past Monday!! Never called!! Nothing I have sent 2 emails with request to homerenrention relationship manger and Supvs. No response please help!

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 2023-11-29
Company: Nelnet, Inc.
State: CA
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 a federal loan with Nelnet, a different loan provider, i was with Great Lakes, it is impossible to get in touch with them, I am trying to get into a SAVE plan, I was denied, with no explanation. I need to lower my payments, i am on social security and a widower, I am financially struggling, please help. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I have two installment payments with my Apple Card ( an XXXX and an XXXX ) and want to pay off my XXXX installment. First, while I tried to pay off the XXXX, it stated that I have to completely pay off the balance on my Apple credit card to be able to do so, which I did. 
Then, I went directly to the XXXX installment to pay the XXXX early, however, it shows the whole amount for both the XXXX and the XXXX. Since I don't have the money to pay off the XXXX and only wants to pay off the XXXX, I contacted an apple expert through the message app that they recommended. After speaking with 3 different people, they lied to me and said I have to drive back to the store where I purchased the item to pay it off there. After driving to the store, the store employees told me I have to contact Apple by phone to pay it off there. After contacting them by phone again, the person at the line walked me through several steps to pay off even though I voiced my concerns that I want the payment to be allocated to the XXXX XXXX and he assured me that he has done it before and should have no problem to pay it off. 
However when I made to payment for the XXXX, the payment instead went to the XXXX. When I asked to fix it, he told me only after that I am only able to pay the first installment and can not pay off the XXXX. when I asked for a manager, they lied to me and sent me through 3 different people and none of them were manager.

All I needed to do was just to pay off my XXXX. At this point I was beyond frustrated and angry and ask to return the XXXX and they still continue to lie to me again and again. No one should have to go through what I went through with Apple inc just to pay off a merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
On XX/XX/2023 I sent over a letter to the 3 credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-04-24
Company: EQUIFAX, 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 am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a dispute with TransUnion against XXXX XXXX XXXX. I provided proof that XXXX XXXX XXXX is being reported inaccurately, XXXX XXXX XXXX did not properly validate the debt, and XXXX XXXX XXXX is being updated by the original creditor of all of the payments that are being made on the account and they are updating the account with false information. 

TransUnion has proof of all of the above claimed information. Without doing a proper investigation, they falsely verified the account as being accurate on XX/XX/2022. TransUnion is acting as an accomplice with the false reporting of this account. I demand that TransUnion remove this account immediately.

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 2022-03-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I had called in to their Banking Voicemail Service on XXXX different times requesting to transfer money from my Money Marketing Account to my Checking Account to avoid any overdrafts. I did speak with a XXXX about the issue and she was able to make the Transfer on her end. However she appeared to not know what was going on in reference of the issue. However just out of curiosity I had called the Banking Voicemail again and they vindictively did the same thing by rudely hanging up on me. This comes from me reporting this Bank several times for their constant misconduct. Because on Tuesday XX/XX/XXXX my now deceased XXXX XXXX XXXX spoken to a Customer Service Representative by way of a recorded conversation by stating that she didnt want any of my siblings most definitely my sister XXXX XXXX XXXX XXXX to have any access to her Banking Accounts. Make that she also had a XXXX Benefit Account for me but only to find out a few weeks after her Funeral on XX/XX/XXXX they allowed my sister XXXX XXXX XXXX XXXX to commit fraud by cleaning out her accounts. Make note that prior to all of this my sisters power of attorney powers were stripped by the XXXX  Court here in XXXX Pa and plus the one she had was proven to be fraudulent. But yet PNC Bank covered up for her crime and then lied about the recorded conversation taking place on XX/XX/XXXX. Make note that the PNC Bank XXXX Department claimed that they were doing an internal investigation concerning this fraud and the constant lying from their employees way over XXXX  months ago and to this day theyve done absolutely nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased new vehicle and requested to have credit life and disability added to the loan however, dealership said this is not an option since i am in the military. Was told that the SSRA ( Soldiers and Sailors Relief Act ) prevents them from offering this product to me. Advised dealership that this only applies to active duty military, which I am not. I am a XXXX in the XXXX XXXX XXXX XXXX. Dealership also kept my warranty cancellation refunds and charged additional monies to the loan. Although I have a credit FICO score of around 780, i was still charged a 5 % interest fee on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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 implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 1681s-2 ( 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 2022-03-29
Company: CURO Intermediate Holdings
State: CO
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:
I got a report on my Credit that says I took out a loan in that state but used a XXXX ID card. Property that was lost in a Self Storage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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