BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In 2018, I took a loan with Net Credit, totaling {$2600.00}. After paying back {$2900.00}, I began to inquire why my remaining balance was still nearly {$3000.00}, as I wouldn't knowingly enter into an agreement that would cost me double the original loan amount. I see this as predatory lending and try to look out for it when I am shopping loans. Because this seemed to be such a large amount remaining, I stopped payment. Since that time, members of my family and I have received several harassing phone calls from XXXX XXXX XXXX regarding the debt, stating that I now owe approximately {$3800.00}. I have disputed this on my credit report as the remaining balance is now much more than I owed and I was truly confused by their terms, which resulted in the Net Credit account being deleted from my credit report. XXXX XXXX XXXX continues to call me even though I fully dispute the terms of the loan as they are predatory in nature. Upon further research, I discovered that Net Credit was sued and lost over predatory lending in Virginia and are subject to other lawsuits, including class action. As we speak, I am communicating with an attorney related to a potential class action lawsuit filed in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-05-04
Company: SOUTHSTATE CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Southstate Bank allowed someone with a synthetic ID ( completely fake ) to open an account under my name and PII. These criminals then utilized a payroll/payment platform to transfer money into this account using my stolen credentials and my stolen bank account and then fraudulently withdrawal close to {$430000.00} from me. These criminals were unauthorized to withdrawal any sort of funds and/or open an account using my identity. 

These transactions occurred on XX/XX/2022 and XXXX refuses to return the funds due to the fraud not being reported within XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Freedom Mortgage Company
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:
Freedom Mortgage XXXX This account should NOT be reporting a late payment on XX/XX/2021. This account has been paid off. This loan funded on XX/XX/2021 so it should not be considered more than 30 days late. This is preventing me from getting the credit I deserve.

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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in XXXX. 

This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30days to complete my investigation.

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 2021-03-03
Company: Experian Information Solutions Inc.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
@ XXXX I opened a XXXX Credit Card - I really never used the card for its intent. 
- The card was placed in a strong box and forgotten about. 
- In XXXX I applied for a car loan and I was informed that I had great credit and the only outstanding debt was @ {$18000.00} on this Credit Card, I then knew we had a problem as we have never used that credit card nor do we ever carry balances on credit cards. 
- I contacted XXXX  and spoke with the fraud department who stated that they agree it was fraud and that they would take care of this as I never made any of those purchases.. 
- It was then that I discovered that this card was tied to an fraudulent address that I have never lived and that the payments were being made since XXXX - I also contacted all 3 Credit Agencies ( XXXX, XXXX, Experian ) to file a dispute.

- To date XXXX  & XXXXXXXX  have removed this from my report as XXXX has written off the amount and closed the account. Transunion is still showing the fraudulent address. 
- To date XXXX  still shows this amount, still shows the fraudulent address and is showing the wrong date of birth. 
- I have been working to resolve this situation since XX/XX/XXXX and now need your help in resolution as all my correspondence in XXXX has not produced a resolution.

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 2023-08-04
Company: EQUIFAX, INC.
State: FL
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:
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,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from EOS CCA Dated XX/XX/2021 I received that letter on or around XX/XX/2021. To which i responded via written letter XX/XX/2021 to XXXX XXXX XXXX, XXXX, MA XXXX  Requesting a verification of debt. 

The reason for my request for a verification of debt is 1st to establish whether or not this is in fact my debt and 2nd the details of the charges as they are alleging that I owe {$4500.00} yet they have not provided the details for the charges in question. 

How is it okay for them to send me a letter stating that I owe {$4500.00} and no explanation of charges? No date of Service? Nothing at all is on this letter ties me to this debt. The information on this letter could have easily have been obtained with a simple XXXX search or XXXX XXXX search. I don't think that I am asking a lot by requesting that they both prove this actually belongs to me and provide details of charges. 

The second reason for my complaint is that if this hospital did in fact share my information with this EOS CCA Agency this is a clear and present violation of my HIPAA Rights. I am not sure how they could provide me with the details regarding my visit with out violating my hippa rights. And yet in still I am being asked to pay an amount with XXXX proof or anything. 

Today XX/XX/2021 : I received a phone call from a XXXX XXXX from EOS CCA and he stated me me that their office does not check their PO Box which is probably why I haven't received a response to my letter. He stated to me that they do everything online and if I wanted more information I would need to go directly to their website.. This is not acceptable for me as I would like to be communicated with via written letter so that I can keep track of my communication. He also advised that this is my debt because he would not be calling me if it wasn't and this is also unacceptable as I have requested written verification and a verbal confirmation which lacks the details of these charges is not acceptable. 

If you look at the attached letter from the company there is nothing here which details my date of service or the details of the charges. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: PA
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 previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you

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 2018-04-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection appeared on my credit report with a date of XX/XX/XXXX but was not on my report until XX/XX/XXXX. Debt is not mine and I want it removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: PA
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: IL
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:
I have a bankruptcy that should not be there from XXXX and I was sick with XXXX XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong

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 2019-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2018, XXXX XXXX in XXXX, AZ, refused to get me a loan at the true market value of my XXXX XXXX XXXX XXXX  with XXXX miles. XXXX year old used car. 
Dealer produced by them, a manufactured XXXX XXXX XXXX price of {$6900.00} fully loaded. My car is not fully loaded. 
The correct price of this car on XX/XX/2018 was {$4300.00} for fully loaded. My car would have been less money. Dealer over charged me for the car- {$7900.00}. Auto dealer fraud. 
Credit Acceptance told dealer that the {$7900.00} is the price of the car or no loan. High pressure sales tactics. Lender took advantage of me. Lender refuses to tell me what my credit score was on XX/XX/2018, what is the minimum credit score? -lender refuses to answer me. Lender gave me a predatory car loan for 22.99 % in Arizona, where I live. The Arizona usuary rate is 10 %. There is no compounding interest in Arizona for car loans. 
Predatory lending is a practice that is unfair or abusive to the borrower. The fraudulent loan charges me almost 50 % interest. The total sale price on loan- charges me my {$1600.00} down payment. 
False advertising by the dealer on XX/XX/2018. Equity stripping by lender pursuant to FTC. Overcharging me for the loan. I was deceived by Credit Acceptance from the beginning. Unfair business practices and consumer fraud-deception. Credit Acceptance still has blatant disregard for the rights of innocent purchasers-me. Credit Acceptance does have the dealer invoice with the price of the car and my credit score.

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 2023-08-04
Company: EQUIFAX, 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX we secured a mortgage loan with New American Funding XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX XXXX. We set up auto pay and have never missed a payment. 

They requested that we get Flood Insurance through FEMA which we secured immediately. XXXX # XXXX. This policy has been renewed every XXXX since inception without delay. Our current policy term is XX/XX/XXXX thorugh XX/XX/XXXX. 
On XX/XX/XXXX we received a letter from the above mentioned lender that we were late on our XXXX payment and must pay immediately. ( Letter attached ). I called them immediately after checking our bank account and it showed as always the payments for XXXX and XXXX were withdrawn as scheduled. Trying to get ahold of them too three and a half hours. They said that we only paid partial payment. This was rediculous. Three different people told us different stories for why our payment after 9 and a half years had changed. One person said that it was an escrow account to collect FEMA Flood Insurance. When I said we pay that directly it took another 30 minutes for someone to come back and say that it was actually escrow for property taxes. I said that is bogus because we pay our taxes directly and they can see that they are paid to date. Then I waited another 20 minutes on hold for their Insurance Department. They could not give us a clear answer for why our payment is showing late and that the payment changed. 
Because we feared they would send a notice to the Credit Bureaus that our mortage was late we had to actually pay double payments and late fees. So our account is now over paid for XXXX and XXXX by {$3600.00} ( Payment attached ). 

We have zero control over this as they could not give us an answer other than pay it or they would report to credit bureau on XX/XX/XXXX or XXXX. 

Please help us to clear this up as they are not helping us at all. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: PA
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:
I did reach out to XXXXXXXX XXXX for the mis-reporting and expressed to them that the late payment was due to their system being down and that that's caused the payment being submitted on the XXXX of XXXX ; they denied the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/19 I mailed in a copy of the FTC report XXXX, police report and credit report along with my ID, SS card and water bill to verify my info to have fraudulent accounts removed. 
XX/XX/19 I mailed in a request to block this information under FCRA 605B along with the above information. 
XX/XX/19 I tried to find out the status of my block request and could not access online. 
I called Equifax XXXX where two representatives were not able to verify my ID, trans to manager XXXX who verified my ID but stated the block request was entered only for certain accounts and is still processing. 

Block request confirmation # 's XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX US DOE No entry for XXXX XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 

I informed him that Equifax only had 4 days to block these fraudulent items and he stated they have 30 days to investigate. I asked for a manager as this is not in compliance with FRCA 605B 4 day rule & was told I would get the same info from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have multiple charges from XXXX that were cancelled and not refunded. I ended up booking with the hotel directly and was charged the correct amount there. This happened twice and i have not recieved any help from my bank. I also notified them of 3 charges for XXXX dollars and one for XXXX dollars from a company in XXXX that i had never heard of.

Company response to consumer: Closed with explanation