BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: Receivables Performance Management, LLC
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:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Receivables Performance Management. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

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 2019-08-13
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 information incorrect

Complaint:
Equifax reporting 2 mortgage inquires made a day apart as separate hard inquires. When I called they repeatedly said they do NOT follow CFPB policy/regs/law and instead count every inquiry by a different company as a separate inquiry for the purposes of calculating scores regardless of when and why made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Financial Credit Network 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: Information belongs to someone else

Complaint:
I have address on my credit report that I have never lived at. I also have negative accounts on my credit that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-08-07
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:
I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.

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 2019-10-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Currently have a loan with OneMain and was looking to get an additional one to help with personal situation. Discussed transferring loan from XXXX XXXX to XXXX to then make the payments there. Was told in XX/XX/2019 that my payment would approximately be {$500.00}. I was told that I ONLY had three days to make a decision to move forward with the second loan for the vehicle, in reality I had thirty days. Store Manager implied that I had one payment, in reality I had two payments totaling {$800.00}. I was not in any situation to be able to make an {$800.00} a month payment based on my income and other responsibilities. I would not have moved forward with the additional loan is it was going to be that much money, I stated that to the Store Manager in which she became very aggressive with me. I did get connected with the District Manager and explain the situation. He said that he would be able to reduce the monthly payment to approximately {$200.00} and the terms would be extended, this was in XX/XX/2019. He said that I would have to cal him on XX/XX/XXXX to further discuss, then had to call him on XX/XX/XXXX to again further discuss. The District Manager said that I would not need to make the XX/XX/XXXX payment, with the newer monthly payment amount and longer terms I would not have to make the first payment until XX/XX/2019. Now, I have been constant calls stating that what he originally said, would not be able to happen and that my payment was now late, but was nice enough to waive the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX  and XXXX. Please remove the 30 day late payments from my credit reports.

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 2020-09-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
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 received a letter from the company that my loan had been paid off. I was to receive a refund for the unused portion of a service contract and extended warranty. I was told by the dealer that sold me the new vehicle that it would be four to six weeks to receive my refunds. It has been eight weeks since the payoff letter was received which was about two weeks after the loan was actually paid off. In other words it has been about ten weeks since the payoff was done. I have contacted the company at least three times by phone, once through the local dealer and twice directly to the home office financing department. I received one of the refunds about two weeks ago but was told at that time the other check was pending. The pending check is for approximately {$3000.00} and I am having to pay interest on that amount since a credit card was used to make the down payment on the loan. I want my refund to pay off the credit card to save interest.

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 2018-05-02
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I keep getting robo calls from the number provided with my name in it. It states if I am XXXX XXXX I need to return a call for a debt owed. Not once have I ever received any notice about a debt owed in writing which by law is required for issues of such. When I call back, they know who it is already, with out asking any information, they tell me they are not required to put anything in writing and it is becoming out of control. This is fraud and they need to be stopped

Company response to consumer: Untimely response
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX  ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-29
Company: FirstPoint Collection Resources
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: Information is missing that should be on the report

Complaint:
Sent a debt validation letter to a company by the name of FirstPoint Coll Resources Inc Consumer Contact Center to the address listed on my XXXX credit report which was pulled XX/XX/2020. The letter was mailed certified on XX/XX/2020 by USPS. The tracking updated on XX/XX/2020 at XXXX XXXX Forward Expired XXXX, VA XXXX. " Your item was returned to the sender at XXXX XXXX on XX/XX/2020 in XXXX, VA XXXX because the forwarding order for this address is no longer valid. '' I have collection accounts showing on my XXXX that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2020 ( XXXX XXXX ) I was told by Chrysler Capital that {$1900.00} was my total balance and that by paying that they will be free of debt and they will close my account. It turns out now they are trying to charge me more money and reporting even a bigger balance to the 3 Bureau Credit Score. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27
Company: EDvantage LLC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX. A school that had branches in XXXX. I thought that I originally got accepted into a XXXX XXXX   university which I could graduate from, but I was mislead and it actually turned out to be a 200 question test you take online to get this so called " engineering degree '' which was complete bogus. I wasn't until after they put the loan in my name that I found this out. 

The loan now shows up on my credit report as I paid it down to the zero balance. It still has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on the credit card in order to make computer purchases for an employer. The credit card company made me go over the limit by $ XXXX. Then would not give me an explanation on why the payment was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2019-10-27
Company: EQUIFAX, INC.
State: GA
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 submitted many disputes as far back as of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX there are account reporting on my credit report from equifax only there other credit companies have resolved the issues with fraud account and incorrect information this company still has an issue with fixing everything this has been happening since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX for debt owed to XXXX in XXXX, 2018. I have DCI Consultant coming after me for the same debt. I repeated call DCI and XXXX to let them know that I paid XXXX XXXX, who said they were the orginal debt collocter, therefore I have 2 debt collectors coming after the same debt. I just spoke with DCI this week to no avail, and I called XXXX and they will not return my call. This has a negative impact on my credit report and I would like to get this resolved immediately. 

Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I went to the Car dealership they said they were only going to pull XXXX and now I have multiple different inquires. 

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 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 non-monetary relief
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an unauthorized hard inquiry conducted by the below agency : Institution Information : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I do not know who this agency is, nor did I authorize an credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: GA
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 is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Speedy cash approve me for a loan of XXXX $ on XX/XX/2021. Received my money in my checking account I then received an email this morning XX/XX/2021 saying I was approved for XXXX. It had speedy cash logo they said they were approved by the XXXX, cfpd, and the Fdi. I decided to give speedy cash a call to see if this was legit they said this was 100 % fraud. They have a completely different number than that of speedy cash I have documented proof of all of this and I wouldnt want anyone to fall for this scam. I also sent all the proof to the real speedy cash company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
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: Account status incorrect

Complaint:
I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from Experian and XXXX that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite multiple requests by mail, e-mail, and voice-message, NationStar would not issued a corrected Form XXXX for many months, wasting many hours of my time. It took me until XXXX XXXX to get them to issue the corrected form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

XXXX XXXX, XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} XXXX status indicates it is part of a bankruptcy filed XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.

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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: NJ
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:
There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief