BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called XXXX  and Equifax million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing clinical rotations I didn't work for a while because I couldn't. Now I am a professional, I want fix things and Equifax and XXXX don't want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: DC
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 purchased a home in XXXX of XXXX in XXXXXXXX XXXX Md thru XXXXXXXX XXXX for $ XXXX when I looked at my credit report on all three bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these 2 mortgage showing on my credit profile asap. 

XXXXXXXX XXXX act ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2020-07-28
Company: BELMONT FINANCE LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was signed up for loan and declined to continue process on XX/XX/2020 and closed out loan. 

I was approached by sales person who also was my house cleaner and asked if her daughter could use my name on loan. I initially said yes, but after some thought decided that I did not want my credit tied to someone I was not married/related to. So I faxed in cancelling loan XX/XX/2020 and mailed in the cancellation as well. 

I was called regarding late payment in XX/XX/2020 and I contacted salesperson who told me she would get this taken care of, I was not very concerned since I had my cancellation paperwork somewhere but I did ask CS agent if there was anything I could and she said no. 
I see that the item continues to be reported on my credit report and company will not take it off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hyundai Fianance is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit XXXX did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I purchased a Vanilla Gift card for my daughter for XXXX at the XXXX in XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Helped by XXXX. 

She tried to shop for XXXX gifts on XX/XX/XXXX and the card was declined. We thought maybe it was too early to use ( even though our receipt says activated ). We looked online and it showed a {$150.00} balance So she tried again and again and still the card is declined. We logged back onto to vanillagiftcard online and it now says an error occurred each time we try to check the balance. She called the Vanilla Gift card number on the card and sat on HOLD for over an hour. Finally, they answered and said there was a problem with the card, that they don't show a card with that number?! When we explained that we already saw the balance on the card and now there is a system error, they said we will have to try again the next day. We continue to try and the system continues to show an error occurring. I have tried calling multiple times since then and sat on hold for up to an hour without anyone answering the phone. 

My daughter is a XXXX XXXX XXXX and she needs this money. Can you help us? 
You can reach me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Dear Staff, I contacted Navient Student Loan Servicer on XX/XX/XXXX, XX/XX/XXXX, to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. I was told the reason for not qualifying for the Term and Rate Reduction program was because I called at the wrong time. Each time I called and under duress reluctantly agreed to the terms my rate increased. 

Today, XX/XX/XXXX, I called to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction Program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. 
This time I asked why am I not eligible this time for the Term and Rate Reduction Program and was told Navient is not offering the Term and Rate Reduction program because " We just aren't offering to you, and I don't see where you were ever offered that program. '' I explained to the gentleman that I am retired and can not afford my rate to increase and he shared that he was very sorry but there isn't anything else that Navient can do. I asked about refinancing through their sister company NaviFi or Settling the debt and locking into an affordable payment plan since the interest accrued is double the original loan amount and with an interest rate of over 14.0 % : Loan XXXX  : Original Principal {$4700.00} Current Balance {$12000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$7400.00} Current Balance {$18000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$3400.00} Current Balance {$7800.00} Interest Rate 14.625 % Interest Type : Variable I am retired and I am recovering from Bankruptcy and I just need a payment that isn't going to cause me to lose my housing. I have been looking for refinancing and consolidation but I am not having any luck, yet. My only recourse is to agree to another 6 months, another 30 years, and return to Bankruptcy Court to declare undue hardship. I am only asking for Navient 's assistance to continue paying ; if I had understood that private loans were this much trouble, I would have never signed up. Please help me. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I am writing to express my professional dissatisfaction with the manner in which my recent dispute was handled. On XX/XX/2023, I received confirmation that the account titled XXXX XXXXXXXX XXXX XXXX had been permanently deleted from my credit report, as it was identified as unauthorized and fraudulent, as clearly shown in report number XXXX. However, to my disappointment, on XX/XX/2023, the same account was once again added back to my report, causing me additional stress and anxiety. 

I promptly took action and sent the necessary proof of residency documentations, as well as a FTC Report to support my dispute. I had hoped that these measures would help to expedite the process and prevent any further inconvenience. Despite my efforts, Experian unprofessionally disregarded my dispute and re-added the fraudulent account to my report. 

To make matters worse, without my consent, Experian initiated a new dispute numbered as XXXX, which resulted in the XXXX XXXX XXXX XXXX  account being listed as updated. I immediately contacted Experian to request that this account be permanently deleted, as it is clearly fraudulent and unauthorized. A representative created a new dispute numbered as XXXX, which was intended to resolve the issue within XXXX hours. 

However, when I requested a confirmation email of this new dispute, I was transferred to six different representatives, each of whom claimed that they were unable to assist me. This experience has been incredibly frustrating, unprofessional, and has caused me a great deal of stress and anxiety. 

I demand that Experian permanently delete the XXXX XXXXXXXX XXXX XXXX account from my credit report, as it is fraudulent and unauthorized. I have provided ample documentation to support my claim and have followed all necessary procedures to resolve the issue. This experience has left me feeling violated of my rights under the Fair Credit Reporting Act ( FCRA ) and I expect this matter to be promptly resolved. 

I request that you take immediate action to permanently remove the XXXX XXXXXXXX XXXX XXXX  account from my credit report and ensure that it never reappears. I trust that you will take this matter seriously and address it with the utmost urgency. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX  Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: VA
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 recently ran a credit report on XXXX XXXX 2021 and I didn't recognize the following hard inquiries on my report from Experian. 

XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX  Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXXXXXX XXXX Inquired on XXXX/XXXX/2021 GXXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021

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 2023-09-02
Company: Aldridge PIte Haan, LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My mother answered the door about a week ago, and the man identified himself as a bounty hunter. He then asked my mom if I reside at the residence, and she replied yes, and he handed her court papers. She asked him again what the badge around his neck was and he said he was a bounty hunter. My mother is XXXX XXXX XXXX and this was extremely scary for her. 

The company on the documents that is suing me is Albridge Pite and Haan. I called their phone number listed and I told them about the bounty Hunter that showed up at my mothers house and she called me a liar. I went onto further. Ask what this was about because it looks like some kind of online loan. All the represented kept saying was do you want to pay the deck today.

My car was broken into over two years ago. I have police reports, identity theft, reports because my identity has been used elsewhere as well. This company used an unethical practice by sending a bounty, hunter bounty Hunter to my mothers, personal residence.

I am attaching a front page of the summons because it has the bounty hunters hand writing on it with his badge number, and time and date. 

I can also get a written witness statement from my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Monterey Financial Services LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A negative item was reported in my credit profile from the collection company Monterey Financial Services, LLC. I have no knowledge of this account, date, or what it is for. I was able to contact Monterey Collections via phone from the number that was provided on my credit report. I spoke with a representative and requested to know what services I had received, what date, and any signed receipts. I was refused this information after providing personal information to verify my identity. I then sent a copy of a debt validation letter to Monterey Financial Services LLC the second week of XXXX, dated XXXX via regular mail, and informed them of my request for information. I had informed them that they had 30 days to respond to my request or remove the negative remark on my file. I have disputed the remark and it is pending investigation. On XXXX, stamped from the post office XXXX, I received a letter from attorney XXXX XXXX XXXX, a representative of XXXX, XXXX stating that I would not be getting the information that I requested and that I owed a past due on a collection as well as an interest fee. According to their claim, I owe an original amount of {$170.00} plus {$9.00} in interest fees for a total sum of {$180.00}. I was told to make a check or money order to XXXX and provided the address to the company in California. I have had no other contact with XXXX since the original phone call and no other written notifications.

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 2021-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called Experian and XXXX million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing XXXX XXXX I didn't work for a while because I couldn't. Now I am a professional, I want fix things and XXXX and Experian don't want to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Paramount GR Holdings, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
-2019 Loan Pal, now known as Good Leap allegedly remitted payment in the amount of {$18000.00} to a company called XXXX XXXX for the installation of solar equipment on my home. XXXX XXXX never completed the job, disbanded the company and the owner filed for and was discharged in a XXXX XXXX XXXX 
XXXX Good Leap AKA Loan Pal has refused to show proof that they ever funded the contractor with the funds, and maintains that I still owe them the money for the project even though it was never completed .... Good Leap AKA Loan Pal has since damaged my credit beyond belief which has also been the cause of issues with my current employer and the denial of several other positions of which I applied. Good Leap AKA Loan Pal has also continuously harassed me via telephone and has had an Attorney reach out to me threatening legal action...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: OH
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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