BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Jefferson Capital keeps calling after I have requested verbally and in writing on number of times for them to provide valid proof that the account is mine. The company has failed to do so. We had a loss of income, death in the family and this harassment isnt making things better for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/2019 I disputed a Charge Off reporting on my Equifax Report with inaccurate information. The account has been closed for years and is still reporting with a monthly payment and past due balance which is not accurate. There should not be any past due balance or monthly payment if the account was closed and charged off. I sent Equifax a letter regarding this matter in XXXX and requested them to Delete the information off the report and requested a updated copy of my Credit Report, and I never received a response from them. Again this was in XXXX it is now XXXX and all they have done is stop reporting the monthly payment on the account. I never got any notification regarding this change and yet they are still reporting the account inaccurately with a past due balance. Im attatching supporting documentation showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am writing this complaint because Ally Bank is not doing the right thing by it customers. I was in the process of buying my leased vehicle and had started the process prior. Unfortunately i got into a car accident on XX/XX/XXXX and the insurance company deemed the car as totaled. The market Value of my truck was XXXX and the buyback or payoff for the truck was XXXX dollars. Any normal finance company will do the right thing as the vehicle will be paid off the difference would of been sent to the customer. If i had not gotten into a car accident i would of traded the vehicle in and received those funds towards a new car. When i called the first few days i was told " on a recorded line '' by a representative named XXXX that i will receive the difference sent to me via check. I waited a week and called in to be told that i wouldnt get anything back and that ally owns the car. I suggested that i can buy the car in cash and was told that i couldnt do that due to the nature that the car is totaled. This feels like a fradulent activity and that Ally should be held accountable, I demand a refund of the money that the car was overpaid for due to the fact that i had started the process prior to the accident and have an option to buy the car. I was told no that i couldnt even purchase the car. I would of gladly been paid off by the insurance company and kept the excess cash to be placed on the purchase of a new vehicle. I want Ally to make this right and to do the right thing for its customers. I feel betrayed, lied to and taken advantage of. Getting transferred from XXXX place to another being told things that were untrue and then now being told that i am not entitled to my money.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 checked my credit report and i notice i have a credit card account from XXXX XXXX. I have never had nor never applied for an account with XXXX XXXX. The account is not a negative account but this is not my account. I believe there's been an error in credit reporting.

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 2021-07-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I created an account to monitor my credit and was surprised to see a collection from Helvey & Associates which dropped my score significantly. My grievance with this collection is that I received no phone call ( s ) or contact via USPS mail to confirm this collection is mine or valid ( FDCRA ). Due to this, I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial notifications regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was closed and equipment was returned. THIS ACCOUNT WAS CLOSED WITH A NEGATIVE BALANCE. XXXX even sent me a {$60.00} refund and gave me a credit. 

If this shows up on my credit report and this not closed/removed immediately, I will press charges for harassment against Credit Management LP as well as XXXX. 

I spent multiple times on the phone with XXXX. 

I separate want a letter addressed to me from XXXX and Credit Management LP apologizing for the headaches it has caused me and showing the balance is XXXX out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have 4 loans with Rushmore Loan Services. All of these loans are commercial and NOT under my personal ssn.

RUSHMORE has inaccurate tax id 's on ALL 4 loans and as a result my tax statements are not correct and will be denied by the IRS. 

Also, in XX/XX/2023 letter from Rushmore they claim the loan where not registered on line and this statement is a lie. 

Also, The RUSHMORE website is still not operational and with a conference call XXXX ID # XXXX, Supervisor reqarding this issue, he also acknowledge the problems associated with my accounts- as does XXXX XXXX Consumer affairs and practices analyst at Rushmore.

I am not able to access any data from Rushmore. I have filed XXXX complaints with them to resolve this issue. NOT 1 issue has been resolved and I am left to call Corporate at XXXX XXXX XXXX and to look into a class action lawsuit against Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: VA
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:
These accounts listed on this report is fraud and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: TN
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:
I sent letters to each 3 main credit reporting bureaus : XXXX : Experian : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXXXXXX services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXXXXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.

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 2023-03-18
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector saying I owe my old apartment {$1800.00} of rent. Already paid all rent, and I sent Hunter Warfield ( debt collector ) the agreement signed by myself and the property XXXX indicating all rent due has been paid, asked them to supply their own proof of a debt owed and they could not, then they stopped communicating with me and it was reported to the major credit bureaus. This fake debt has negatively affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

XXXX, Transunion and XXXX has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed. 

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.

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 2020-03-19
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX   XXXX {$810.00} XXXX   XXXX {$1200.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$2700.00} XXXX/XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hard Credit inquiry done using another social security number, not mine, by TjMaxx / Synchrony Bank, ( Synch/tjx dc ), on XX/XX/2020. But has appeared on my credit. And have brought my credit score down by over 20 points. I have been trying to correct this matter with said bank ( fraud dept ), for months. They have told me over and over again that they have sent over a deletion of account letter, to the three credit bureaus. Being that my social security was not used. Credit bureaus have not received said letter. Said company has refused forward said letter to me, so I could then forward to 3 credit bureaus. My credit score has been affected negatively and has caused financial issues in my life and my families life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-04
Company: DISCOVER BANK
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:
On XX/XX/XXXX, I saw a charge come through on my Discover card for something I never purchased from a vendor I have never done business with. It was a charge for {$1800.00} from " XXXX XXXX XXXX ''. I called Discover, reported that my card had been used fraudulently and that this charge was part of the fraud. They put it under investigation, never communicated with me again, and I just saw that they have resolved in favor of the vendor and are forcing me to pay. I have not seen any evidence that was produced to rule against me, and I am extremely unhappy that I am being required to cover FRAUDULENT charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
3 disputes have been sent out and received by Equifax regarding an unrecognized XXXX XXXX collection account. Investigations are not being conducted despite Equifax claiming the accounts have been verified. The accounts have not been notated that the consumer ( I in this matter ) has disputed this account. Which puts Equifax and data furnisher in violation of section FCRA 623 ( A ) ( 3 ), notice of dispute is not present on recent Equifax consumer report from XX/XX/2023. 

Receive receipts have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: BB&T CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I financed a brand new XXXX through XXXX XXXX. I paid my loan off in full and then called the finance company for a title. When I called the company, a representative said they did not have the title because XXXX XXXX did not send one to company. I asked why didn't they contact me about that issue long before I paid the loan off. The representative said it was not XXXX 's problem and that I needed to call the dealer that I bought the car from ( XXXX XXXX of XXXX, LA ). I paid title fees that was calculated into my final price and paid all of the money to XXXX. I need a title to this XXXX  and I have been getting the " run around '' for over a year. Between calling XXXX before they went completely out of business, to calling the DMV, XXXX, Louisiana commission and now this website. I just need my title that I paid for.

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 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: SC
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 following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation