BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency put Collection on my credit report for wrong amount. I stayed at a hotel for 8 months in XX/XX/XXXX to XXXX a weekly pay hotel in XXXX XXXX, made every payment on time last week I didn't pay we moved out, with a balance of XXXX dollars original creditor said this would not be on my credit report, but XX/XX/XXXX it shows up on my credit report for XXXX dollars and the credit agency is adding interest or something because they reported a balance of XXXX dollars as of XX/XX/XXXX they being The acctcorp of Southern nevada

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 2020-12-11
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received an alert from XXXX today, XX/XX/2020, that there is an application for a loan with CashNet and that needed to be researched. The XXXX tech called CashNet and was placed on hold for two hours where I was instructed to wait until Monday, XX/XX/2020, to try again to get through to CashNet. CashNet had automatically emailed me with a loan offer about two weeks ago in which I deleted. Hence, according to XXXX someone is using my personal information to apply for a loan with CashNet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
I went to XXXX XXXX to shop. Knew what I wanted had my card to pay for it. XXXX XXXX worker said you can apply for a XXXX XXXX card. I said no Thanks I don't want a hard inquiry on my credit report. He said no it is not a hard inquiry. We do a soft pull. I said no thanks. He said it is only a soft pull. his mother was a soft pull. His sister was a soft pull. He got a card it was a soft pull on him. So on and so on. A sales person from the XXXX XXXX  came in and explained to all of them. Let the customers know it's a soft pull. I am still saying no, no no no. I don't want a card. This just stressed me out until I gave in. I am 62 years I simply couldn't take any more. I had been there for hours. Now I am disputing a hard inquiry on my Experian Credit Report. I want this hard inquiry deleted from my credit report. Experian Credit Report ... XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/2020. 
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 2020-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I PRESENTED WHAT I WAS TOLD I NEEDED TO, IN ORDER TO CANCEL MY AUTO INSURANCE WITH USAA. ( AUTO CANCELLATION FORM FROM XXXX XXXX XXXX HOWEVER USAA IS NOW TELLING ME I NEED TO PRESENT A DIFFERENT FORM IN ORDER TO CANCEL MY AUTO INSURANCE, YET THEY DON'T HAVE THE FORM. 

ALSO, PREVIOUSLY, WHEN I HAD AN ACCIDENT, THE DAMAGE WAS QUOTED {$1400.00}, BY THE USAA EXAMINER, YET THE VEHICLE WAS WORTH {$3000.00} AND THEY CHOSE TO CALL IT A TOTAL LOSS AND SALVAGE THE VEHICLE AGAINST MY WILL. I WAS FORCED TO SELL THE VEHICLE AT A LOWER THAN MARKET VALUE. 

KIND REGARDS, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check from a family member on XX/XX/2020 and the finds are now on hold until XX/XX/2020 at the earliest in my Bank of America account. I reached out to Bank of America and they have not responded beyond the notification on the account. I believe it is unreasonable for Bank of America to hold my legal funds hostage for any amount of time, considering that the ACH process happens within 24 hours and funds clear in 48 hours.

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 2019-03-09
Company: Early Warning Services, LLC
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:
It has been forever since dealing with this company and having them proof that the actual misinformation on their report belongs to me. As a victim of multiple identity theft issues I find it disgusting that they are not held to the same laws as everyone else and complying with FCRA rules. It has been beyond frustrating trying to deal with getting them to comply with the rules that follow and protect ID theft victims and maintain the integrity of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: OpenRoad Lending
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Responded to flyer to refinance auto loan. Submitted info as requested. OpenRoad switched the interest rate from XXXX  to XXXX, in spite of the offer. Loan was approved and immediately sold to XXXX XXXX. A GAP policy was included which was never discussed, or agreed to. The GAP form is unsigned. Unable to get any response from OpenRoad, and XXXX says they can not help. I attempted to cancel the whole loan, but was unable to due to the fact they had paid previous lender already. I then began to get credit notices from several firms, indicating that OpenRoad has made hard credit inquiries without my permission. I have attempted to cancel the GAP policy, but no success. This company should be stopped from this bait and switch tactics and misleading advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( 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 2020-09-04
Company: General Motors Financial Company, Inc.
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
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:
After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 2020-09-04
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: Information belongs to someone else

Complaint:
This account is fraudulently reporting to my credit report! I have TRIED to exercise my right as a consumer, under section 611 by asking for verification nicely, but the company has refused my request and Experian has failed to protect my rights by deleting the account after they have failed to respond!!! I AM TIRED OF DEALING WITH THIS AND HAVE COMPLAINED COUNTLESS TIMES TO THE FTC AS WELL!!!! NO ONE IS LISTENING TO ME!! I HAVE ANXIETY AND I AM GOING CRAZY BECAUSE NO ONE IS HELPING ME!!! THIS IS AFFECTING MY HEALTH AND MY ABILITY TO LIVE MY LIFE PROPERLY!!!!! THIS IS THE ONLY THING AFFECTING MY CREDIT REPORT!!! ITS ONLY ON ONE BUREAU AND THEY ARE IN VIOLATION OF MY RIGHTS!!!!! I DONT KNOW WHO ELSE TO TALK TO AT THIS POINT BECAUSE EVERYTHING IS USELESS!!!!!! I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDAITELY!!!

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 2020-12-01
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 4th complaint with XXXX XXXX XXXX. They keep sending the same fraud acct to different collection companies. Each time I contact The Consumer Protection Bureau. This acct was opened due to Fraud. Because I feel XXXX XXXX XXXX and its affiliates have purposely allowed fraud and allowing someone to cause so much hardship disabling me unjustly I will be filing a suit. Afni, which is a company I have never even heard of will be included in this suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and I show inaccruate account information listed. Account Name XXXX Account number XXXX is listed as a charge off account and this account has been paid as agree and XXXX advised this account will be deleted and still has not deleted this account due to successful payment. Please delete this 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 2019-02-25
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection agency Recievables Performance is stating that I owe {$1900.00} on a phone bill. I have never recieved a phone bill from this company and i have never had any verification proof that this debt was mine. I have tried to dispute this online but have had no luck.

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 2020-05-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
upon looking at my credit report during quarantine i discovered that a debt was assumed fraudulently with my information and then charged off on to my consumer credit report which is effecting me adversely. I was not contacted or given any indication of this debt as this is not mine. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 26 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to EquifaxXXXX XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Information belongs to someone else

Complaint:
These items listed in attached I have been disputes due to them not being my debts. I'm looking to buy a new home and these items are holding be back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: ERC
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
for the past 8 or 10 months Suntrust bank has either mismanaged my payments made by phone or can not give me a clear understanding of the interest charges on the loan. I complained to the NC banking commission about all of the issues but it seems they only refer it back to the bank to call or send me documents- not what I would expect from a regulatory agency. 
The latest phone call in response to my complaint came two days ago from this phone number XXXX XXXX. A female called to let me know she is sending a letter in response to my complaint, and when I pressed her to give me details about the letter she couldn't answer- another sign of a bunch of incompetent people posing as bank officials withouth having a clue what they're doing and certainly not serving their customers

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 2020-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

BELOW THE ACCOUNTS NEED TO BE update these has been paid. Please update it to PAID ASAP. 
XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : 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