BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: EQUIFAX, 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:
I didn't give authorization ( authorized ) to view / pull credit report " Identity Theft Victim '' ( Equifax Data Breach, etc )!!! 

XXXX!!! 
Inquiry details : Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank EQUIFAX!!! 
Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a certified letter was sent to this creditor after I noticed that my credit was being damaged because of them. I asked that they validate the supposedly owed debt that they claim that I owe. I asked that they provide records of my signature showing a contract that I have with them. They responded with an account summary report but NOT with my signature at all. A print out does not validate any debt that I have. I do not have a contract with this creditor. After a second attempt was sent to them I did not receive a response back. However on my credit report it shows that it was validated & meets FCRA guidelines. How?!? They never provided me with the information needed or their method of validation. This is unfair to me as a consumer. I do not owe this debt and would like this to be removed from all credit bereaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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:
XXXX XXXX XXXX  has reported different information to both XXXX and Equifax. On Equifax it is showing perfect payment history and account reflecting close and paid satisfactory. With XXXX they are reporting derogatory with all late payments. Both XXXX XXXX Equifax are saying the account has been verified yet different information is being reported. I have never had an account with this XXXX XXXX XXXX and the information they are reporting is conflicting and very different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
These agencies include XXXX, XXXX, and TransUnion. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to XXXX, XXXX, and TransUnion they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX office IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with XXXX, XXXX, and TransUnion is crossed wrong, multiple files with mine and my wife. info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Exeter Finance Corp.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX EXETER FIN XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On Tuesday, XX/XX/2019, at XXXX PM I contacted Ford Credit customer service in regards to a hardship I am having with paying for my vehicle. Financially, I am unable to make the payments set at the current rate, and asked Ford Credit for options to manage this loss. The first representative offered a resolve to possibly re-write the contract for a longer term, with a lower monthly payment to which we agreed I could afford. After running the process, I was denied a contract re-write for the reasoning that I am not far along enough into the contract to grant a longer term with lower payments. After stating that I have no other options, the representative offered alternative solutions that were not helpful. 1. I could find a friend or family member to take the contract. 2. I can pay a sum of {$5000.00} to lower the loan balance, then I could possibly be granted a re-write. Or 3. I can work with the dealership that originally sold me the car to get into a different vehicle with lower monthly payments. All three of these options are not possible as I have already expressed them, and sought help from Ford Credit as a last resort. When I stated that I considered the possibility of bankruptcy, and asked if I would still be pursued for this debt after doing so, the representative stated that I or the co-signer would still be pursued for the debt. I then requested to speak with a manager to see if they could help come to a resolution with the problem. The manager stated the same options as the initial representative, and had no solution. I then asked to speak with their manager. I was placed on hold for more than 10 minutes, during which I had to leave the call, as it had been 1 hour and 2 minutes into the call, and I had to care for a family member. After being on the phone for that long, it is frustrating to not receive any sort of helpful resolution from the financial institution while still getting a survey asking about how my experience went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. 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 non-monetary relief
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I dispute the past due claims by Navient of pass due amount due to the fact I am on a reduced payment plan and have been since the claims, my payments are automatically paid and payment are set for a reoccurring set amount. I have contacted Navient three other times about this problem and was told it would be taken care of. Each time I called I was told to give it 4 0r 5 day to rectify but there was no change and now it showing several month pass due. I recently called and was told by collection that my bank account would not process the payment back in XXXX of 2016, then she tried to force me to make a payment by threatening me when I told her I would check my account and call her back. I checked my bank account and there was no refusals on this month. I am requesting my credit file be updated and the negative marks taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassment! Calls up to 10 times a day from the same number ( XXXX ) XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to 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 2021-12-05
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am purchasing a car from XXXX and the finance company/bank I am paying on the loan is Bridgecrest. The company Bridgecrest I believe is a lending predictor. They prey on people that are poor with bad credit. When obtaining the loan no one disclosed to me I was in a installment loan. Everytime I am late on the loan, I am charged {$6.00} a day. Do to financial hardship I've been late on the loan and can't seem to caught it up because I pay every two weeks on the loan as well as the XXXX a day I just found out last week I was being charged. I have been in this 2009 XXXX XXXX almost 5 years and have paid over {$21000.00} and still owe over {$9000.00} on the loan. I am being ripped off. They call and harass me so much I have to put them on a no call list. I almost loss my jobs behind them calling my back to back while my boss was standing in front of me. I feel defeated and don't know what to do. I know I'm in a predatory loan. Please help! No one disclosed to me I was getting into a installment loan when I purchased this vehicle. I've paid to much money to lose this car, and the company reporting to the credit bureau is making it impossible to get out this car!

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 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID 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 non-monetary relief
Consumer complaint received 2017-12-01
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY HOME LOAN WAS SERVICED BY XXXX XXXX AND THE PAYMENT WAS {$1200.00} AS THEY CHANGER TO SHELL POINT MORTGAGE SERVICING THE PAYMENT INCREASED TO {$1300.00} CAUSING {$59.00} MORE PER MONTH. 
SHELL POINT SAYS THAT IN MODIFICATION THE RATE CHANGED TO XXXX I OPPOSED TO BY SAYING TO THEM THAT IT IS NOT TRUE MY PAYMENT DO NOT CHANGE UNTIL XXXX2019 I TRIED TO OPEN CASE COMPLAIN ON PHONE AND BY ON THEIR SITE BUT I HAVE NEVER GOT RESPONSE. WHEN I CALL AGAIN THEY SAID TO OPEN COMPLAIN AGAIN. 
I AM ATTACHING PROOF FROM MODIFICATION STATEMENT AND REQUESTING OVER PAID MONEY TO BE ADJUSTED AND PAYMENT TO BE REDUCED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a small personal loan online. I was directed to XXXX XXXX XXXX. I was misled and misinformed by the agent who spoke with me. I was never told about the interest being {$3100.00} on a {$1000.00} loan. I also feel like the online form that I signed has been altered or changed. The payment schedule was not posted. I never would have signed that. This seems completely fraudulent and misleading. I can not afford {$3100.00} on a {$1000.00} loan. I have closed my checking account to stop this company from collecting an insane amount of money for the amount loaned. There was no transparency with regar to their gouging practices. Shameful business. This business obviously preys on people down on their luck financially and then robs them via their bank account. Do NOT do business with them. They are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pay it on XX/XX/2017. But it still show on my credit report. They never toll me they will put it on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX On XX/XX/XXXX I received an alert on my phone informing me my BBVA Compass checking account was overdrawn. As I have never been overdrawn I immediately contacted my bank at approx XXXX XXXX. I was informed that 3 transactions had occurred, two at the same location, a XXXX 's XXXX for {$140.00} and {$140.00}. A third debit was a transaction at a XXXX XXXX for {$74.00}. I have had the card in my possession the entire time and I have alerts set up on my phone when the second my card is ran, I get a text message for the amount and location of the transaction. I never received such alerts for these 3 debits. 
The banking rep informed me it could take 10 business days before my provisional credits were placed on the account and there was absolutely nothing they could do. After missing 3 days of work due to no money for the train or day care, I called in and asked to speak with a supervisor which took another 48 hrs to get a call back from. The supervisor informed me that he could contact the investigators and request an early release of the provisional credits. Not only did the first rep not offer to do this, the supervisor said this should have been done immediately as a courtesy. Now here we are 14 days later, and not only have I not received a call from the investigator, I have not received my provisional credits and customer service said its not completed as of XXXX today. This has cost me well into the thousands of dollars in lost wages. Although {$370.00} is not a lot of money to most people, for me, in the middle of pay cycles, that amount of money pays for my day care for the kids, food and train fare for me to get to work. This has most likely cost me my housing and I am now on probation at work for the time I missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We filed complaint with the cfpb # XXXX with no resolution. Then we sent them a check from our insurance company for XXXX dollars. We signed and put on check for deposit only, with our account number and a deposit slip and a self addressed envelope for our XXXX account. They cashed it and only sent us XXXX. They had no right to cash that check or hold any of that money.

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 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My credit card account with Capital One was closed, a balance of around {$5800.00} or more left on it, well over my credit limit in the amount of {$5000.00}. I do not have account number available to me at this time. Prior to this, I attempted in good faith to lower payment amounts/work out a payment arrangement. Capital One does not offer any hardship program, did not offer any kind at the time. There are several fraudulent charges on the account, I attempted to make these arrangements despite these charges. The live chat rep at the the time would not cooperate and stated to wait until a recent payment posts before making any kind of future arrangements, a prior CFPB complaint was made pertaining to this and against that rep in question. The account was later charged off due to failed attempts at lowering payments and resolution of fraud charges, account sent to an attorney here in Connecticut. The attorney was offered a settlement amount of which I do not recall, however, he did not accept it. On XX/XX/2018, a close out check in the amount of {$4200.00} was sent from Capital One via XXXX, intercepted by a third party and cashed in my name fraudulently. This amount represents the remaining balance in the Capital One 360 Checking account. I was in XXXX XXXX at the time check was left at my address, intercepted by third party and cashed. I did not receive any of the funds, numerous CFPB complaints made pertaining to this issue and unresolved, Capital One will not reissue check or investigate further, despite information I provided showing I did not receive funds. If Capital One will mark my credit card account as paid in full with a XXXX balance, I will consider this matter as resolved. If not, Capital One will not see any payment on account as again, there are fraudulent charges which were made on it and I am owed {$4200.00} for intercepted check. If they will accept this amount as payment in full, this will resolve both issues. Failing to accept this offer, Capital One will not see any payment on account and additional complaints filed in regard to intercepted check and funds owed to me. I believe this is a fair offer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: DC
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 fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to XXXX XXXX. You are cows to be milked.

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