BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately Experian and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported XXXX XXXX below needing to be immediately Removed & Deleted. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX EXPERIAN - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX NORTH XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: USI Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called multiple times about an old phone number from 15 years ago that they say I owe money on, which is false. When I try to get further detail, they yell and berate. A XXXX search of the number reveals that it is a scam and they are tied to other companies and phone numbers that have multiple complaints about scams. I believe the website is XXXX XXXX XXXX in the last call I threatened legal action. I am still on auto-dialer, but no one will pick up and it does not go to voicemail when I call back.

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 2023-02-13
Company: EQUIFAX, INC.
State: LA
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 reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXX XXXX Balance Owed : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. <P/>Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. <P/>Thank 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 explanation
Consumer complaint received 2019-10-08
Company: NCP Finance
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or around XX/XX/2019 we took a XXXX payday loan with XXXX XXXX ( NCP ) out. After a few months we noticed the Hugh interest rate which has since changed in Ohio with a max of 27 %. I contacted both XXXX XXXX which is now XXXX XXXX XXXX, and was informed I had to contact NCP, WHICH IS THE ORIGINAL LOAN HOLDER. I BEGGED THEM TO PLEASE LOWER THE RATES DUE TO THE NEW LAW IN OHIO, AND THEY REFUSED TO WORK WITH US. We are more then willing to pay the XXXX with the new rates, but paying XXXX  for 12 months is just to much for us to pay. The last payment is XXXX totaling around XXXX. Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Financial Services XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

Toyota Financial had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, 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:
I have been trying since XXXX to have Equifax remove a fraudulent credit inquiry from my credit report. I have spoken to them on the phone numerous times, mailed and faxed documents, and have received TWO reassurances : once in XXXX and once last week ( both with CONFIRMATION NUMBERS ) that the inquiry had been removed. Yet it is still there. I have given up dealing directly with Equifax given their apparent inability to resolve this matter to my satisfaction, and due to the fact that they outright lied to me about the fact that the fraudulent inquiry was removed ( TWICE. ) First confirmation number is on the uploaded document. 
Second confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: R & R Collection Service, Inc.
State: AZ
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 item has been disputed and found not to be my account. This item is not associated with me and should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX notified me of a hard inquiry reported by TransUnion ( this inquiry is NOT reported by XXXX ). This inquiry is reported as being issued from XXXX XXXX on XXXX XXXX, 2019 I bought a car from XXXX XXXX on that date. I paid cash, and DID NOT apply for credit. The dealership demanded my social security number, stating they were required by NSA regulations to run my name and SS # through the system to make sure I wasn't a XXXX (!!! ) They assured me it would not appear on my credit report. Now it HAS appeared, and as a HARD inquiry. 
I went to the TransUnion website to open a dispute, but it requires that I buy a subscription to do so.

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 2019-05-26
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Protection HAS AN ACCOUNT ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT, THIS IS A VIOLATION OF THE FCRA

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 2019-10-08
Company: CURO Intermediate Holdings
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX {$780.00}. 
To Whom It May Concern : I am disputing this account because you are reporting inaccurate information on my credit file, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practice that I do not have any contractual agreement with you to collect this amount, and you should delete this account on my file. Compliance with this request is required under the federal law, and FCRA 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Succinctly, since I am providing a Word document with all relevant details, PNC 's system did not credit my payments correctly which caused the system to think that I was delinquent. After numerous phone calls, voicemails, and attempts PNC has corrected the system but they damaged my credit report by reporting in the month of XXXX that I was late 30 days and had an incorrect balance. I submitted a dispute with XXXX and in XXXX the late reporting was gone and the balance was correctly updated however, XXXX has not been updated which has damaged my credit rating. 
I am not sure why PNC 's system was incorrect and no one at PNC could tell me either. However, they must have noticed something as they corrected it behind the scenes without speaking to me. 
The Word document attached shows the numerous phone calls, dates, and actions/inactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied for a vehicle loan in XX/XX/XXXX through XXXX XXXX XXXX XXXX for a vehicle. Truist was the financial institution that was chosen for the loan. In the beginning of XX/XX/XXXX I received a 'bill ' in the mail letting me know my first payment was due. I logged on to their website and paid the amount by/before the due date. While there I decided to sign up for paperless billing. I also looked around to see if I could setup an auto pay. I was not able to find autopay but I figured electronic billing ( email ) would be enough of a reminder, FOR NOW, to make sure I kept up with the payments. 

Today, XX/XX/XXXX, I realized that i hadn't received a paper bill yet for said auto loan. I went to my XXXX account and searched for any email from Truist ... I did not have one letting me know I had an upcoming payment due or any electronic statements. I logged into the website and saw that I had an upcoming payment due on XX/XX/XXXX. Needless to say I was not happy. 

I called customer support and spent ~1hr with them as they tried to help me setup alerts/ notifications/ etc. After wasting an hour of my time I was informed that 'this type of loan ' was not yet able to send alerts or notifications about upcoming bills. While I was very unhappy/ confused to hear this... I asked about setting up an auto payment. Again I was told that this type of account did not currently have access to these features. I asked to speak to a manager ... after another 5 minutes I was told that one was not available. 

So to recap. I DID NOT receive an electronic statement ( nor did I receive a physical one ). I CAN NOT setup alerts about upcoming due dates. I CAN NOT setup automatic payments. I was not able to speak to a manager about my concerns/frustrations. 

I find it abhoredly unacceptable that Truist is essentially not providing me any real consumer tools to be informed and manage my payment to them on time. It seems as if they are hoping I will drop the ball so I can pay a fee ( and take a hit to my credit score ). And I am even more frustrated because this is an auto loan and I don't know how to transfer institutions ( like I could with my checking/savings/investments/mortgage/etc ) ..so I feel stuck.

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 2019-10-08
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My identity can not be verified through Experian. When my credit is pulled through said credit bureau my name, per anyone who attempts to pull my credit, comes up as unverifiable. I need help. I tried to apply for a card with XX/XX/XXXX and was denied because my name could not be verified. The company i work for uses Experian to verify us through another system that enables me to view consumers medicare information. If my name can not be verified I can lose my job. 
I called Experian and they sad there was no problem and I asked for a complaint department number or a supervisor and they said all they could do was send me a copy of my credit file and that there was nothing more they could do.

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 2017-12-30
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:
XX/XX/XXXX I called Equifax to dispute many Inquiries not mine. 19 were removed. A fraud Alert was put on. But these fraud alerts have never notified me when someone has been trying to access my Credit. 

Here is a list since XX/XX/XXXX all from XXXX XXXX. I do not have any credit cards with them And these Hard Inquiries have been showing up weekly and is greatly effecting my credit score and profile and need removing. I have tried numerous times to contact Equifax they are always busy with too long of holds. 
Please remove this accounts. The only Credit Inquiries that are mine on my report for XX/XX/XXXX are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. And XX/XX/XXXX XXXX XXXX XXXX. Anything else should not be on my report before XX/XX/XXXX. 

XX/XX/XXXX XXXXXXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX. 
Also because of Equifax system I can not do an online or phone dispute because your system does n't recognize me. I have two open dispute on collections not mine Confirm # XXXX and # XXXX but the Equifax system wo n't let me look at these disputes it says it does n't recognize me. 

Equifax has me listed as : XXXX XXXX XXXX XXXX XXXX XXXX Why is it someone can apply for credit with my name yet I can even access my own information. Something is very wrong. No other Credit Bureau I have this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is station that I owe a debt. I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  : XXXX Date Updated : XX/XX/XXXX Bankruptcy Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX OF XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2020-10-08
Company: Experian Information Solutions Inc.
State: MD
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 am a victim of identity theft, I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.

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 2020-02-14
Company: Lockhart, Morris & Montgomery Inc.
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Back in 2015 I went to XXXX XXXX XXXX XXXX school. They say they will help you get your XXXX, and reimburse the cost of school after you work there for x amount of time. They then make it impossible to work for them. Shortly after I quit it my credit, after the time expired for them to take it to court they threatened a law suit with XXXX XXXX as their debt collector. A couple months ago when I filled that complaint with you, XXXX agreed not to sue, and to remove it from my credit. Now XXXX has hired another collection agency who has relisted it on my credit. XXXX and their predatory lending practices continue to harass me and my family. They have threatened me, lied about loan amounts, and seemingly edited the original contract. Not to mention now I supposedly owe 4 thousand plus- not what my paperwork shows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - Equifax XXXX XXXX XXXX XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

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