BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: CORELOGIC INC
State: NC
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/2021 I visited XXXX XXXX XXXX in XXXX, TN. I was interested in a XXXX XXXX XXXX and after the test drive, I was told they would " put together the numbers '' and that it would not affect my credit. When I asked for clarification on how it wouldn't affect my credit the salesman named XXXX XXXX told me that it would be a " soft inquiry '' and that they don't actually pull my credit until after I agree to purchase the car. I confirmed the details of this by telling him that I do not want a hard inquiry on my credit report and he confirmed back to me that this would indeed be a soft pull. I had a friend with me at the time who then triple confirmed with the salesman that this would not be a hard inquiry and the salesman again triple confirmed that this inquiry would indeed be a soft inquiry. I did not end up purchasing the car because the price was not acceptable so I left. When I checked my credit through XXXX XXXX this morning XX/XX/2021 I can see I have a brand new hard inquiry from Credco which is apparently the company that XXXX XXXX uses to pull merged credit reports. When I contacted XXXX XXXX at XXXX XXXX about the new hard inquiry I see, he claims I misunderstood and that he did tell me it would be a hard inquiry and that I must be confused about what he said. After confirming 3 times that it would not be a hard inquiry I don't know how this could possibly be my fault. It seems to me they are lying in an attempt to get people to purchase a car but this has very real consequences and my credit score actually dropped a few points as a result of this new inquiry that I never asked for. I have filed a dispute with the credit reporting agencies to get the hard inquiry removed but I really think XXXX XXXX and Credco need to be held responsible for these deceptive tactics that may be harming otherwise unaware shoppers.

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 2023-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
XXXX XXXX an XXXX Company shared my information with XXXX XXXX  without my authorization or consent which led to me being denied credit my privacy was violated by XXXX XXXX  and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX  I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy

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 2020-12-14
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Greetings, First of all i want to inform about the poor manners and the low quality of costumer service XXXX XX/XX/XXXX provides to their costumers where to get a hold of human are insane plus the inflexibility with their costumers during this global tragic times of COVID 19 Their hold times are about 2 hrs with no sucess of speaking with nobody wasting time and besides that they dont comply with regulations of providing provisional credit in fraudulent charges they sent me their papers regular mail but i recieved them late because of covid delays mails a soonest i recived their request i faxed it over to them after going thru a whole adventure to get a human on the line. Its for real really unhuman have a person for hrs on the line and not be able to resolve consumer issue because they are depleted of satisfactory staff to honored costumers issues and needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Bridgecrest Acceptance Corporation
State: KY
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:
This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of bridgecrest that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: IL
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 disputed XXXX Inquiries from XXXX Bank on my XXXX and Experian personal credit report in XX/XX/XXXX through Consumer Financial Protection Bureau. 
I received an update informing me that XXXX Bank was made aware of the fraudulent inquiries and that they would notify the major credit bureaus to have them removed. The following month XXXX removed the inquires ( with some follow up ) and honestly I forgot abt the inquiry on Experian. So today i noticed that the inquiry is still on my Experian report, so I called Experian today XX/XX/XXXX and explained the scenario and XXXX of their reps explained to me that despite successfully disputing the fraudulent inquiries including notification from XXXX Bank to remove the inquiry from my credit report... he read from some script why they wont do it.

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 2020-12-13
Company: The Moore Law Group
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The moore law group has not provided the information and/or paperwork requested for verification of debt I have sent them multiple letters specifically asking to provide me with the following : original contract with my signature on it, to itemized every single item since the opening of the alleged account, provide a bill of sale that shows account number and amount they paid to obtain this debt, show any paperwork where I agree to pay you. THIS IS WHAT THEY PROVIDED SO FAR : BILL OF SALE is missing my name, missing account number, amount paid for debt. COPY OF SALE OF THE ACCOUNT is missing my name, missing account number, missing amount paid to obtain the alleged debt. MONTHLY STATEMENTS that proof nothing just statements with blackout account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XX/XX/2019, {$620.00} XXXX, reported to all XXXX credit agencys without giving me any information of debt, no letters, no calls, no email I wasn't aware until I check my credit reports.Merchants Credit Guide : XXXX XXXX acct : XXXX {$780.00}, XXXX {$680.00} and XXXX {$930.00}, also did the same violation of XXXX and XXXX, illegal or unethical communication tactics, Disclosure verification of debt, exessive attempts to collect without giving consent or any opportunity to dispute collections also it was reported to you that hospital was neglacting treatment as treatment never happened as I walked out of the hospital after keeping me hours in agony and pain causing me to go to another hospital I have witness to such neglect

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2020-12-14
Company: JPMORGAN CHASE & CO.
State: WA
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, JPMCB AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter on XX/XX/2021, regarding erroneous and unexplained items on my credit report, and I have yet to receive a response after more than 60 days. I feel like I'm being exploited and my disputes are being ignored. It is clearly stated in Section 611 ( a ) that failure to investigate these matters within 30 days gives a justification to remove those items from my credit report. You must complete this investigation within 30 days of the receipt of this letter. According to law unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Next Level Finance Partners  LLC
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:
This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: F.H. Cann & Associates, Inc.
State: IN
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 consolidated my only two existing student loans, in the amounts of {$4000.00} and {$3500.00}, respectively. This amount was paid in full shortly after by credit card. I have the credit card number. The account was held by my mother, now deceased. 

However, the Department of Education and their collections agency, FH Canns & Associates are reporting that I owe {$26000.00}. The US Department of Education reports that they do show the consolidation and have further stated they can not confirm payment because the approved consolidation provider, XXXX was restructured while it held my loan. 

Please note that prior to today, I have never seen any reporting to the credit bureaus of this debt, nor have I ever received any collections contact. It is only upon qualifying for an FHA loan did this matter arise. This invalid, unconfirmed, inaccurate account balance is preventing my family and me from buying our first home. This is severely negatively impacting our future. This not to mention The agents on the phone from the Department of Education failed to disclose that XXXX was censured and " XXXX has been dealing with problems related to its handling of student loans as far back as 2012. Due to complaints about their handling of student loans, the Department of Education transferred many of their loans to other servicers. You see, the Department of Education owns the Direct Loans, so they can decide who your loan servicer will be and there are many others. Since XXXX was having so many problems, the Department of Education cut ties. '' I need this matter resolved ASAP and will exhaust every regulatory, consumer advocacy, and legal resource at my disposal to do so. I paid my loans and I paid every other of my bills without fail so I'd have good credit when I needed it. The Department of Education, XXXX, and FH Canns & Associates are directly liable for this damage to my family, myself, and our futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: GA
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:
Account is derogatory and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted. 

I have not supplied proof under the doctrine of estoppel by science, Engelhardt v, Gravens ( mo ) 281 SW 715,719 I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Goldman Sachs Bank, doing business as " Marcus by Goldman Sachs, '' denies me access to the {$15000.00} I deposited into my new certificate of deposit. I opened this CD on XX/XX/2020. The next day, I endorsed and mailed a {$15000.00} check to the Illinois mailing address specified in the Account Agreement. That check CLEARED on XX/XX/2020. When the funds had not showed up my new CD by XX/XX/2020, I contacted Goldman Sachs Bank. It denied having received the check. I continued to contact Goldman Sachs Bank over the past 2 weeks, but it still denies having received the check and still has not credited my account. The cleared check demonstrates Goldman Sachs Bank has misappropriated my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.

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 2020-12-14
Company: National Credit Adjusters, LLC
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 status incorrect

Complaint:
National Credit Adjusters , LLC and their subsidiary collection, XXXX XXXX XXXX, refuses to show a debt that settled and a closed on my credit report. The debt was settled in XXXX but theyre still showing the account open, and are reporting it as such. XXXX XXXX XXXX Account Manager : XXXX ) sent me a letter stating the issue was officially satisfied, and there was no more money owed on the account but they refuse to update my credit and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lviv Funding is now reporting on my credit report when it is incorrect information. That have never sent me any notification or tried to reach me. That are reported in my credit reports as opened on XX/XX/2023. That is invalid information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: American Credit Acceptance, LLC
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: Was not notified of investigation status or results

Complaint:
I am entitled to complete disclosure of the retail installment agreement made on XX/XX/XXXX. On XX/XX/XXXX I sent a letter to American Credit Acceptance asking them disclose the amount of credit I was approved for my XXXX XXXX XXXX, the amount that was paid directly to me, the amount that was credited to my account to discharge the obligation, and a statement indicating whether or not I am entitled to rebate of the finance charge prepayment. I am entitled to this information under 15 U.S.C 1638. American Credit Acceptance did not respond with this information within 30 days, and not at all. On XX/XX/XXXX I sent an Affidavit of Truth. This Affidavit went unrebutted. An affidavit unrebutted Stands as Truth. The American Credit Acceptance account reported on my credit report is fraud and must be deleted from my credit reports. The retail installment agreement is fraudulent and has never been enforceable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation