BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-10-13
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting XXXX XXXX XXXX as a creditor. The Convergent amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.

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 2020-12-13
Company: Self Financial Inc.
State: OH
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:
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for 1XX/XX/2020 XX/XX/2020 XXXX XXXX SELF LENDER # XXXX. Due to the Pandemic shutdown I was effected financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Risecredit, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hard inquiry with RISE was reported that is wrong and want removed. Inquiry : XX/XX/2018. I had a loan with them last year that was paid off in 2018. I would NEVER get another loan from them again as they charged me 134 %. I called about this and was left on hold for 40 minutes. They did nothing to address my complaint. Also I've had seven " pre approved emails from them this year XXXX alone and want them to stop. Although I unsubscribed from the email list and called to stop receiving " prescreened '' offers of credit from them XXXX ( XXXX ) they still keep coming. This company is unethical with the percentages they charge and I did NOT look for another loan XX/XX/2018. I was busy casting a TV show and fully employed. 
RISE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling my house repeatedly all hours of day and night. The one time I was able to speak with someone they would not give me any information. the women said we owe a debit and they are collecting, but my husband and I have lived here for over 30 yrs and we do not have any outstanding debit.

When I questioned them about it, they said it was for my husband and they would call back later. I explained we do not have any outstanding debit and if they want to clear this up they need to speak to me as my husband has no personal finance and I pay all the bills and have for 40 yrs. Now we are getting robo calls day and night with no way to get back to them. This is total harassment and I am sick and tired of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received a debt owed with no notice, first noticed it on my credit report which lowered my credit score. This is a debt from XXXX XXXX for services from XXXX Im told. I did not have a internet account since XXXX. Moved in XX/XX/XXXX from this address. I have contacted this debt collection company for information on this debt 3 times asking for validation of this debt and receive 3 different answers, we never sent it to you, Yes we sent it to you we cant send it to you til we hear from XXXX XXXX XXXX. Meanwhile my credit is destroyed my this. This came to my attention XX/XX/XXXX and still no validation or corespondence. The companys name is EOS CCA XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Debit amount {$310.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Nobilis Credit Management, LLC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company called my sons cell phone asking for me and was told that was not my number the guy XXXX told my son that his number was the only number they had. I called XXXX and the agent I got XXXX XXXX told me that they had my number on file. I told Ms XXXX to remove my sons phone number from the account. I ask the company name she gave me Nobilis XXXX. I told her I have no idea who that company was and told her to send me something by mail and to remove my phone number. I told her not to contact me by phone only by mail. She told he they had the right to call me weekly. After I told her that was not true she got angry and told me not to call the company back and hung up on me. I wanted to make sure they had removed my phone number and my sons so I called back and go a case manage named XXXX. I told him the same thing that I had told XXXX and told him I have never heard of this company and to send me something by mail. When I refused to give him more info I had already verified my DOB he told me he would mark it as a refusal and the company would sue me for 3 times the amount owed. I hung up on him. The threat to sue me for 3 times the amount due was why I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Navient Solutions, LLC.
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:
Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was drastically effected by covid 19 which caused a major financial drain in my income. I fell behind on my credit card payments with FNBO after being a loyal customer making on time payments. I did not pay my bill because I didnt want to I was sick and not working I was worried about my health. I enrolled in the forbearance program Im not running away from my responsibility on paying the debt I just feel like FNBO does not care about customers like other major banks and credit card companies. I reached out via email no response customer service provides no assistance so I contacted the XXXX the creditor refused to remove the late payments.

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 2019-02-25
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX  should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.

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 2023-02-15
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report act, AMERICOLLECT INC, 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 an account without my written instructions. 
15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Gatestone & Co. International Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received call from Gatestone debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} XXXX XXXX Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX Account opened in XX/XX/2018 and closed in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2020 I mailed a letter to Transunion and XXXX  to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to transunion and XXXX  and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. XXXX  responded on XX/XX/2020 stating they weren't deleting the accounts. Transunion has yet to respond or provide me with an update.

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 2018-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Experian on XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Experian several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Experian. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Experian has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Experian is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have purchased a car using the loan from Chase while I was in California. I paid off the loan in XX/XX/2018. I have been waiting for my title at my address. They did not send me the title for 18 months. I called them five times to send my title, they always said, I will be getting my title. After six months of wait time, I called California DMV and figured out that they have sent my title to wrong address because Chase has provided the wrong address to DMV California. Now DMV says they can not deliver the title to my new address. It was Chase responsibility to deliver my title to my address. I filed the case in XXXX, Chase representative, XXXX XXXX called me and promised to send me the documents to me to filled up and send that to California DMV. I forgot to tell him that I moved to new address. According to XXXX, the documents he sent end up to my old address. 

I have fully paid the vehicle and I need to get my title without any hassle. After paying off my car for more than two years, I am still not getting the title. I have lost my mobility because of not getting my title. I thought of selling the car, but that can't happen without receiving the title. I called XXXX XXXX several times and left voice message to resend the documents to my new address but I never heard back from him for several weeks. 

This is complete misuse of bank 's power and authority. I took full responsibility and paid the principle and interest to bank, now leaving me without title because of their mistake is unacceptable. I took my responsibility and I want them to take their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete Hard inquiries : 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
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: NV
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 submitted a formal written request to all XXXX credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX  knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.

Company response to consumer: Closed with explanation