BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-06-29
Company: Experian Information Solutions Inc.
State: AR
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit 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 2020-07-29
Company: EQUIFAX, INC.
State: AZ
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:
This is a complaint in regard to Equifax verification and customer service. They report that I owed an ambulance bill with XXXX XXXX XXXX XXXX ( XXXX ) through a bill collector XXXX XXXX XXXX ( XXXX ). I have tried to resolve this with XXXX and they state the bill is correct. I have sent Equifax the letter from my insurance company XXXX that they were never billed and XXXX even asked me to ask XXXX to rebill it. According to the Center of XXXX and XXXX balance billing ( when a contracted provider with an insurance company does not submit a claim for services and send the member the total bill this is considered fraud ) XXXX refused and sold it to XXXX. I have sent Equifax a copy of the letter from XXXX ( please see attached ) twice stating that they were never billed and that I as a member shall be held harmless these charges listed on my credit report. I have also talked with Equifax customer service three times about this matter and told that they never received my letter from XXXX. I finally emailed the CEO and got a letter back from Equifax stating the same three ways to go about disputing this. I thought going through their website, I would be able to download the document so they would finally have it. I tried to sign up to create an account in order to upload and dispute it online. However it is telling me there is already and account and can not access it. I am still waiting to talk with someone from upper management to help me resolve this. However, I have been working on this since XX/XX/2020 with Equifax and have yet to have this resolved. The other two Credit reporting agencies removed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one 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 non-monetary relief
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: CA
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 have a XXXX XXXX XXXX and XXXX. I made numerous attempts to file disputes online and over the phone.A representative went off on when I asked to speak to a supervisor and told her I filed civil lawsuit. 
I explained my name is not correct and inquiries are not mine.You can not go online because system doesnt work and I am XXXX XXXX. I even faxed over the documents multiple times. I filed civil lawsuit for XXXX discrimination. 
I keep getting transferred around to people overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of the XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX in XX/XX/2020. I received a bill from XXXX XXXX XXXX of {$780.00} for carpet replacement and an unpaid water bill. I paid the water bill of {$320.00} and sent them a check for the remaining {$450.00} in XX/XX/2020. The water company received my payment and XXXX XXXX XXXX cashed my check, which I can verify through my XX/XX/2020 bank statement. 

I received a bill of {$780.00} from a debt collection agency on XX/XX/2020. I called the debt collection agency to dispute the debt, since I had paid the water bill and the remaining balance, and left a voicemail. 

I then called XXXX XXXX XXXX to alert them that I had paid the debt. XXXX XXXX informed me that I owed an additional {$780.00} and she would not settle the debt.

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: 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:
XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip  2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX  plcc

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 2020-08-26
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Began looking for a loan. Looked through XXXX XXXX app in the Pre-Qualified section. After reviewing, found Lending Point. Provided information to Lending Point XX/XX/2020 via XXXX XXXX website. Was contacted first time XX/XX/2020 by agent, didn't speak with agent until morning of XX/XX/2020. Agent inquired about financials. Agent stated they had received all the documentation needed for processing loan request, however, wanted to confirm details of financials. At the time of speaking, the only documentation that I provided to Lending Point was a picture of a voided check for deposit reasons. This was requested at the beginning, prior to any email being sent from Lending Point. Agent claimed the loan request had been denied once advised of annual income over the phone. Email received from Lending Point XX/XX/2020 claims the company required more documentation, such as ID, Pay stub ( s ) from last 30 days of current employer, and a XXXX from previous employer. Email claims " Once your documentation ( ID, Pay stubs, XXXX ) has been approved underwriting will then execute a Hard Credit Pull. '' This email was received late in the afternoon of XX/XX/2020. At the time of speaking with agent, my application and certain personal info on application had been forwarded to Lending Point ; no ID, no Pay stubs, nor any XXXX information or any other follow-up information had been sent yet due to waiting to speak with agent beforehand. At the time, Lending Point had already made a Hard Inquiry on my credit report, despite not having the proper documentation they requested. They have denied my application without having received and properly reviewed the requested documentation. I believe this is wrong and unfair because Lending Point proceeded in making a hard inquiry on my credit report on XX/XX/2020 and made their decision to deny me for applying despite not having acquired all the proper documentation. The email stated they were waiting for said documents and that a Hard Inquiry would be made once these documents had been received and approved. I will also be filing a formal complaint with XXXX, XXXX, and XXXX   and any other Credit Reporting Agency regarding this situation, as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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 5 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 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 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 2021-07-16
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was attempting to refinance my present mortgage for a lower rate. I maintained a timely payments to help my credit score. But in XX/XX/2021, even though I made my payment, SLS mortgage servicing claimed they didn't get the payment. I explained I had a receipt. They denied receiving a payment. I knew what they were doing so I had my bank ( XXXX XXXX XXXX ) send the payment by check. SLS processed both payments and they still reported my account to the credit bureaus as thirty days late. XXXX  XXXX XXXX says they processed their check on XX/XX/XXXX but they didn't credit my account. 
They have dinged my credit and stopped my refinancing attempt. They are making a 6 % interest rate and they have said they are installing their insurance on my escrow.

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 2021-07-16
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1602g .CARMAX has violated my federally protected consumer rights, knowingly and willingly giving false and inaccurate information as pursuant to 15 usc 1611 ( 1 ) in connection with a consumer credit transaction and the consumer credit transaction application. I am the consumer, the natural person and original creditor it is my right to extend credit as pursuant to 15 usc 1602 ( f ) CARMAX unlawfully again violated my federally protected consumer right .As pursuant to 1605 ( a ) the finance charge does not include charges of a type payable in a comparable cash transaction.And yet CARMAX furnished deceptive forms as pursuant to 15 usc 1692 ( j ) to create a false belief that a person other than me, the natural person the original creditor would be participating in collection of an alleged debt .And presented the forms to me as " finance options '' stating that I the consumer the original creditor needed to make a downpayment, in order to exercise my right and extend credit. CARMAX unlawfully discriminated against me as pursuant to 1691 ( a ) ( 3 ) when I was denied my right to extend credit as pursuant to 1602 ( f ) without a cash down payment. I have sent an affidavit certified mail along with Exhibits and a invoice. I can't believe this type of direct disregard for my federally protected consumer rights has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people.

This is not a duplicate. My problem had never been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, I sent money to my roommate through the chime mobile app. I entered my roommate 's name and phone number and selected the corresponding match generated by Chime. The recipient didn't/does n't have a chime account. She did not receive any notification of the {$100.00} payment or an invite to apply for a Chime account. I contacted Chime customer service on XX/XX/2021, to ask why my roommate didn't receive the funds and was informed that the money was sent to an existing Chime account, evidently belonging to an individual with the same name and phone number as my roommate. My roommate gave the Chime representative her date of birth and social security number but it did not match what was on file with Chime. The representative then instructed me to request the money back from the number/person it was initially sent to because, according to him, I could not dispute the transaction. I obliged and the request was sent to my roommate 's phone! My roommate attempted to follow the link and either log-in or create a new account but was denied both. On XX/XX/2021, my roommate spent over an hour on the phone with a Chime representative who, after initiating an investigation into her situation, consulted with other Chime associates and advised that I file a dispute for the {$100.00} payment in order to get the funds back. Since I was present during this phone call, I identified myself and verified my account and the representative began the dispute process for the {$100.00} payment, entering detailed notes about the circumstances before transferring the call to the dispute department. The call was put on hold for nearly 15 minutes before being disconnected. I never spoke with a representative to complete filing the dispute. Today, XX/XX/2021, I was unable to log in to my Chime account. Several deposits were scheduled to post to my account today yet I am unable to access the account. I received an email notification informing me that my Chime account has been closed and any remaining funds will be sent to me by check in XXXX business days. When attempting to call Chime, my phone number is recognized and associated with a closed account and I am not allowed to connect with an agent. Whatever the discrepancy is between my roommate and Chime has nothing to do with me. There should not be any penalty against me for attempting to get funds back where an error occurred. More significantly, the inability to access my funds will have detrimental effects on my already strained finances, especially during a national economic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 I was notified by Wells Fargo that to continue to receive mortgage services I needed to enroll at wellsfargo.com ; my mortgage had been purchased from another bank and was part of a third-party website wellsfargo.com/XXXX  ( XXXX ). Wells Fargo was migrating my mortgage to an " in house '' mortgage and I needed to enroll with the " main '' website. 

In XX/XX/2020 I had a phone call with a Wells Fargo person who said my account was migrated and gave me a new account number. 

XX/XX/2020 I could not log in to the website. After being transferred I was told by a Wells Fargo person that I had to provide personal information to move the mortgage to the new website. I was told I needed to provide information to fulfill government requirements fighting XXXX  and money laundering which is required when opening an account. I pointed out that I was not opening an account. I was told that it was a new account for Wells Fargo. I said I should not have to provide information as the mortgage was already existing and I am not getting a new mortgage. I was told I had to provide information for the new account. 

The information was : SSN Full name Address Birthdate After I provided the information I was told " I have successfully confirmed your identity, I will send the information over, and in three business days you can go to the website and click on Enroll Now. ". 

Clearly I am not opening an account, I should not need Patriot Act information because a bank is migrating my account to a new server inside their company. 

The number I called was XXXX, then I was transferred " I'll have to transfer you to the mortgage department '' but no number was given. 

Also the person answering the phone said " there are notes on your account so that when you call you will provide this information, but not everyone knows how to enter the information, I can do that for you now. '' XXXXEDT Monday 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 2018-02-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Me and my husband contact the company National Credit System because we received many letters and calls about a debt collection owed with approximately amount of {$1500.00} but we paid in full in XX/XX/2017 direct with XXXX XXXX the company with the issue but this people want we paid double, and I try send the evidence by fax but their collector XXXX XXXX was rude and she gave me a wrong fax number, and now this company public in our credit the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
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/2021 I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XX/XX/2021- {$1300.00} XX/XX/2021- {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Student Assist Plus LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/21 The Student Assist Plus Team solutions@studentassistplus.com Tel XXXX Fax XXXX www.studentassistplus.com confirmed receiving my personal tax documentation via email. Since then I have been sent multiple emails on XX/XX/21 and XX/XX/21 with conflicting messages. There are multiple voice messages that are conflicting to the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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 was pre approved by XXXX XXXX for an auto loan. It was a soft inquiry. I found a vehicle with XXXX XXXX XXXX in XXXX, VA and made them fully aware of the loan approval with XXXX XXXX. However without my knowledge, signature, or providing my SSN, XXXX did a hard inquiry on my credit. Filed 2 complaints with Equifax to no avail. Spoke with XXXX finance office representative 2 weeks ago. She was to investigate and call me back. To this date I havent received a response. 

All communications with the sales representative were done via email. A few emails between sales manger and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX TO XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief