BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$130.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: General Motors Financial Company, 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 personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CarMax, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
my vehicle was unlawfully seized. The law is very clear on this matter ; 15 U.S. Code 1692e.False or misleading representations- ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Account information incorrect

Complaint:
XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPRIAN 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 explanation
Consumer complaint received 2019-04-12
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, Franklin Collection Service ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) marked a collection on my XXXX and XXXX credit reports, severely damaging my credit without any notice nor proof shown. I NEVER received a single letter from Franklin Collection Services,  and when I called them to validate the debt, they claimed to have sent 3 letters to an address in XX/XX/2019. I have not lived in that address for over THREE years, and there is absolutely no way for me to ever receive this mail. The did not notify me of the debt, nor did they notify me of the collection. 

Further, I then sent a letter on XX/XX/2019, via Certified USPS mail ( Tracking :  XXXX ) to Franklin Collection Services requesting immediate validation of the debt they claim I owe. This debt has never been validated, and I have seen absolutely zero proof of the validity of this debt. 

In my letter, I asked Franklin Collection Services to provide me with this validation of the debt. They have been non-responsive and ignored my letter ( which I confirmed with USPS was delivered on XX/XX/2019 ), and continue to report the collection on my credit report, which is having a highly negative effect on my ability to obtain credit. 

I believe that Franklin Collection Services is using the negative impact of the derogatory remark on my credit against me in an attempt to make me pay them money for the debt that have failed to validate. This is a direct violation of my rights. Moreover, the lack of response and providing validity of this debt they claim I owe, then proceeding to severely damage my personal credit file is in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } and the Fair Credit Reporting Act. 

Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, it is my right to dispute the claim and request validation. Under the Fair Credit Reporting Act, it is in direct violation to severely damage my credit with a debt that has NOT been validated. 

This collection agency has over 100 complaints with the XXXX XXXX XXXX ( XXXX ) and is clearly operating illegally and/or unethically. Please investigate this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 never heard of this company before. I am not the owner of the following accounts..I did not open an account or signed a contract with these companies. They do not have any business with me.. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: COAST PROFESSIONAL INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am in the rehab program with Coast professional. I just completed a rehab program with XXXX who took out payments via ACH. Coast however was drafting payments off my debit card. A couple months ago I replaced the lost debit card causing me to miss two payments within the rehab program barely catching it before 90 days. I had the money in there but received no call, email, or letter letting me know a payment was missed. Apparently they did not have my apartment number on file. 

I suppose I should be grateful that I was allowed to make a payment and continue the program. They told me that if I had not called within the next 3 days I would of had to restart the whole program from scratch and lose all my payments. I had made 4 payments before this happened, however they said because I missed two payments they were taking two payments away. So the payment that should have been my fifth was counted as my third. Essentially they pocketed a little under {$400.00} ( 2 payments ) of my money and extended out the length of the program a couple of months.

This just does n't make sense to me. Especially since I made two payments at once to get through the program faster and you are allowed to miss one payment during the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with another lender in XXXX XXXX. It is now XXXX XXXX and I have yet to receive my {$3000.00} escrow refund. 
Account XXXX was paid in full on XXXX/XXXX/XXXX. LoanCare , LLC released my property tax escrow in the amount of {$3000.00} to my tax office on XXXX/XXXX/XXXX. The tax bill was already paid by the new lender upon receipt of the LoanCare payment on XXXX/XXXX/XXXX. XXXX XXXX XXXX office returned the payment to XXXX XXXX on XXXX/XXXX/XXXX. I have made several phone calls, emails to the company to inquire about the delayed processing. I 've gotten the run around since XXXX, being promised escalations and rush on the return to no avail. I have spoken to supervisor XXXX XXXX on 2 occasions, only promised that the check should be mailed soon. My online account shows the contractor returned the check to LoanCare LLC on XXXX/XXXX/XXXX and there has been no further processing as I spoke to a customer service rep, XXXX # XXXX today. She assured me that no one was trying to " keep my money '' only to return to the line with her humblest apologies as the delay is duely noted in my file. I would assume the company is well beyond their legal limit to refund my escrow overpayment. 

I am a single mother and my children are still awaiting their delayed XXXX gifts that were promised to them as I was unable to afford anything due to being over {$3000.00} in arrears due to this fiasco. And now they have birthdays coming up, and I will have nothing for them, yet again. I am unable to make this month 's mortgage payment for my home as I have maxed out all of my lines of credit trying to compensate for the missing funds over the last 3 months. LoanCare does not seem to have a good system in place with their tax contractor XXXX, as they held my funds for over 6 weeks and not a single soul at LoanCare could provide me with an update despite their self admittance of several attempts to follow up with XXXX about the returned check. Furthermore, it is not the problem of the customer that your contractor is ill equipped to handle refunds in an appropriate time frame. I am so glad this company is no longer servicing my loan and I would not recommend anyone to finance with them.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: MS
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 never heard of this company before. I am not the owner of the following accounts..I did not open an account or signed a contract with these companies. They do not have any business with me.. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an e-Oscar. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MISSOURI 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 explanation
Consumer complaint received 2018-04-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a JPMORGAN CHASE BANK AUTO LOAN On XX/XX/XXXX i got sick and spend a few days out of work Two weeks after i was told by my Doctor that i needed XXXX and i spend tow months at home after the XXXX and receive a XXXX XXXX XXXX which was less than the haft of my regular paycheck i wasn't able to make my payments on time only my utilities bills was cover i spoke to the JPMORGAN CHASE BANK to let them know about my situation. 
XX/XX/XXXX I was able to go back to work and started pay off my late bills and got all up to date. I check my credit report and saw how much this have affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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:
Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX of XXXX I applied for a Home Equity Line of Credit that was approved. Part of that HELOC required that I pay off the PACE loan on my home. When the HELOC provider paid the PACE loan they also paid the XX/XX/XXXX property tax bill. The following day my 1st Mortgage with Select Portfolio Servicing paid the same property tax bill. XXXX County Tax Collector mailed the duplicate payment back to Select Portfolio Serving on XX/XX/XXXX. Select Portfolio Servicing has verbally confirmed they have received the returned property tax payment. It does not show up in my escrow balance. I requested on XX/XX/XXXX to close my escrow account to try to get this over payment back. The escrow department has confirmed they sent the check to the cashier department XX/XX/XXXX. I have called Select Portfolio Servicing 6 times to get this money refunded. Every time i call i get the same answer : " I have emailed the escrow department to have them look into this and no sir we are not allowed to call the escrow department '' .Currently the refund of the property tax payment is {$8200.00} that i have not received back and the balance in my escrow account that was closed on XX/XX/XXXX is {$3300.00}. Select Portfolio Servicing is telling me they will not send my escrow balance until XX/XX/XXXX but that will only be the {$3300.00} and no one can tell me when i will get the refunded property tax part. The customer service people are very polite but don't get anything done. Can someone please help??? 

I have spoke to XXXX, XXXX, XXXX, XXXX, and someone the the last name XXXX as Select Portfolio Servicing. Can at least one of them do their job???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: TX
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:
Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. 
had waited for 30 or more than 30 days No outcome received. 
all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. 

My questions is different, their answer is different. 

Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. 

I already had made this request to the Credit bureau several times, but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
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 personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation