BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: Experian Information Solutions 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:
About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX and 2. XXXX XXXX. 
The reason why I asked them to investigate XXXX was because I contacted this company and they don't have any account under my name, which means XXXX is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on EXPERIAN AND XXXX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.

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 2019-10-04
Company: EQUIFAX, INC.
State: NJ
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 WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
At least once a day for the last few weeks, NCB management calls my workplace and continues to do so after both me and my boss have asked and then told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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: Old information reappears or never goes away

Complaint:
For the past couple of months I have been contacting with Equifax and disputing an account that appears on my credit report from a company named XXXX, this account doesn't have any account under my name on their records and I have asked many times to Equifax to remove this inaccurate information from my credit report, or a proof that shows that the account is mine. It been almost 6 months since I started to dispute the account and asked for proof, and nothing has happened, the account stills hurting my credit and there is not proof that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
XXXX Was investigated and went in my favor XXXX XXXX updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with XXXX XXXX making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial

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 2018-09-13
Company: AMERICAN EXPRESS COMPANY
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:
This is a complaint against the American Express, have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Over the last seven months XXXX has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my transunion credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know XXXX has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!

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 2021-02-11
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.

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 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been victim of a scam in which I hold Bank of America and its associate company XXXX responsible. The only reason this scam was possible is because Bank of America cleared a counterfeit check. 
In addition, XXXX don't let you recall money and they have no protection for this kind of situations. 
I have made a claim to the Bank and they told me to wait for 45 business days for an investigation. 

I was selling a piece of furniture ( a sofa ) on XXXX for {$450.00}. The supposed buyer, made a convincing but strange request to pay me by check including an excess to pay the movers coming to pick up the furniture. 
Unfortunately, I made a mistake and trusted Bank of America, if the check was good, I didn't see a problem. 
On XX/XX/2021, I have deposited the check for {$1900.00} using the Bank of America mobile App and the check was marked as " Cleared '' by the Bank on XX/XX/2021. 
Therefore, the fake buyer asked me to send the money {$1500.00} to a movers account via XXXX which I have done also via the Bank of America App also on XX/XX/2021. 
The day after on XX/XX/2021, the check was rejected as counterfeit by the Bank making the scam for a value of {$1500.00} complete. 

Immediately, I realized about the mistake of trusting Bank of America and called them to ask for a recall of the XXXX transfer based on the above facts. 
This was denied and took my claim under number : but they said this will require investigation and the delay will be 45 business days but there is no guarantee I can have my money back. 

This is outrageous, the Bank and financial institutions associated to the Bank are accomplices of this scam and directly responsible as it will never had happened if they only marked good checks as cleared. When I called, the contact person confirmed the Bank and nobody knows whether a check is good until it's checked with the sender 's institution. Therefore, the Bank should have not cleared this check. 

1- They have to respond on why they cleared a counterfeit check 2- They have to respond with protection on XXXX transfers which are done within the same Bank of America Mobile App XXXX 
Bank of America Claim # 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 2020-06-24
Company: Experian Information Solutions Inc.
State: OK
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:
To whom it may concern, My name is XXXX XXXX, I am writing to request that the following items be immediately investigated. If inaccurate, they must be removed off my credit report. According to the Fair Credit Reporting Act, I expect you to complete this investigation within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX _XXXX XXXX These name are incorrect . Please delete it **Address reported** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX These addresses are not belong to me. I have attached proof of my current address below. Please delete it. 
**Auto loans** XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I never receipted any credit or loans from this company. Please provide full document. 
**Student loans** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it _XXXX   XXXX XXXX XXXX Reported : XX/XX/XXXX This account state that I was late on XX/XX/XXXX. However, I paid on time, it's inaccurate. Please provide payment agree or delete this account. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it!!! 
_DEPT OF ED / XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. The credit bureaus even did not update an remarks which violated " Metro2 Credit Report Compliance ". Please provide payments agree or delete it!!! 
**Hard Inquiries** XXXX Inquiry : XXXX XXXX, XXXX This isn't mine, delete it!!!

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 2021-09-18
Company: Experian Information Solutions Inc.
State: MD
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:
To whom it may concern, I sent Experian a dispute letter on XX/XX/21 concerning several incorrect and inaccurate accounts that are wrongly appearing on my credit report and I haven't received anything back from them via mail or email. Today is XX/XX/21!!!! They have be law to respond within 30 days and it's now going on 60 days AND STILL NOTHING!!!!!! These falsely reported negative accounts are not only crippling my credit score but its causing me to have to pay ridiculously high interest rates because I'm labeled as risky when I'm actually not. This company is not taking me or my stressful situation serious. I even called several times and ask to speak to the fraud department and the customer service representatives were absolutely rude and annoyed with me and my complaint.

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 2021-01-20
Company: Exeter Finance Corp.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX I entered into a car loan through XXXX finance. I was quickly handed the paperwork to sign and given the keys. Even though I had subpar credit they are a company that practices predatory lending. Multiple lawsuits in states against them. 25 % Apr without a clear outline as to what exactly that means, as far as how much is applied to the principle. We have been paying on this car for over two years and little to no progress on what we owe. The car has XXXX miles now and only books for about XXXX even though its a XXXX and we still owe more than the original sale price of the car or right at the original sale price. Not to mention a XXXX dollar a month payment. I think their paperwork is vague and does not explain exactly what youre getting into. They are predatory lending and now in the wake of a pandemic I can either struggle to pay it, voluntarily surrender the vehicle, or file bankruptcy and ruin our credit. We can not sell or refinance due to loan to value ratio. This company has lost their XXXX  accreditation according to the site and they should be shut down. I understand there is already limited options for subpar borrowers but you will not prosper with this company they take complete advantage of you and your situation. Youre better off to pay cash for used vehicle or finance a very cheap used vehicle. I have a good income but this car costs as much as our home. Yes we knew the payment when we signed but what we did not know was the way they apply capital to the principle of the loan. Exeter financial needs to be stopped from taking advantage of consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, My credit report was used by a housing company manager from XXXX XXXX to deny my application for a lease. The company did not indicate as to how the assessment was conducted nor did they provide a copy of the report they used for the denial. 

As of XX/XX/XXXX, my report indicates only mortgage debt. I have paid off any derogatory payments which occurred due to a XXXX  in XXXX. 

It is imperative Im able to rent or lease which would improve the credit score for home buying. 

I need access to an updated a credit report which accurately provides leasing companies the information they require.

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: BB&T CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have an outstanding Collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted XXXX XXXX to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from XXXX XXXX, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my TransUnion report. 

Additionally, I have disputed the charge through TransUnion and they have refused to remove it as well. 

I have the necessary documents to prove payment and XXXX XXXX 's acknowledgment of the payment in full.

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 2021-03-31
Company: LoanCare, LLC
State: AL
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:
The response I received from XXXX is not doing what I asked. XXXX asking all 3 credit reporting agencies to mark my account as Current and Paid Off isnt the same as Never Late I want the company to notify the credit bureaus to remove the 120 and 180 days late off my report. Just saying account is current is not the same. I want all reporting of late payments and any and all negative activity removed off all 4 credit reporting agencies from this company. I have never been late especially one report shows 120 another report shows 180 days late. I want all the late payments completely removed off all 3 credit reporting agencies as Ive never been late. I want all negative activity removed off all 3 of my credit reports XXXX, XXXX, XXXX from XXXX. Saying current is not acceptable. I want it completely removed

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 2021-02-10
Company: Bridgecrest Acceptance Corporation
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 is missing that should be on the report

Complaint:
My son, XXXX, purchased a vehicle through Bridgecrest ( XXXX XXXX ). I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through Bridgecrest at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. Bridgecrest is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. XXXX  only accepts their version. This is wrong! Can you help 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 2019-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that Equifax keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet Equifax continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, XXXX XXXX sent a letter to remove it and yet they appear still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022

Company response to consumer: Closed with explanation