BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
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:
Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX - XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Reliant Financial Corporation
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
It originally took forever for them to come get their vehicle after they agreed to pick it up. Eventually they came. I believe XX/XX/2015. I could no longer pay for it as it was still hard to find work until it began to pick up in late 2015. After I was able to save enough to pay them a settled amount ( which was a ridiculous amount for a car they got back and I only drove for four months ) they agreed to accept it and remove me from collections and take it off my credit report if I paid that day. Thats what I did. The loan was about XXXX I paid them over XXXX in the settled amount for a car that was worth XXXX. I waited approximately two months for it to be removed and contacted them several times to ask why it was still there and they continued to tell me the credit reporting agencies has nothing to do with them. I finally filed a dispute with the credit reporting agency to find out that the creditor reported that its still supposed to be there. Lawfully yes but thats not what they promised and I didnt get it in writing first! Lesson learned!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.

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 2021-08-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I WOULD LIKE THE STATUS OF THIS ACCOUNT TO BE REMOVED. I HAVE SETTLED THIS DEBT WITH THE DEBITOR AND THE ACCOUNT IS NOT ACCURATELY REPORTING. 

XXXX XXXX XXXX  Account # : XXXX Equifax Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: PA
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:
Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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:
I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
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:
XXXX has received a certified inquiry validation letter from me as of XX/XX/XXXX. This company has not provided strict proof which includes my original signature. I requested the removal of XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX ( see one example in attached documents ). Only XXXX or the other has been removed from at least one of my credit reports since XX/XX/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 2020-05-01
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received 17 called in four days. I have told the company, Receivables Performance Management multiple times that I did not owe the debt from XXXX. My account was closed with XXXX in 2017. I went on a payment plan with them to pay over a XXXX dollars. I paid the amount in full. I never received a letter or call from XXXX for three years. The last two months I started receiving numerous calls from XXXX XXXX XXXX stating I owed a balance to XXXX. When I tried to explain that I paid it in full, they ignored me and tried to get a settlement. I was even told I would not be able to buy a house if I did not pay this off. They originally stated that I owed {$170.00} and then came back and stated I owed {$200.00}. I called XXXX and they were not able to tell me what the charges are for. I called Receivables Performance Management and spoke to a very rude and short supervisor, XXXX, who stated he would sent out a breakdown of what I owe. My main complaint is the amount of calls I received with no explanation of what they where for, XXXX not able to explain the charges, and the amount that I owed doubling for no apparent reason. Also never receiving any inquiries from XXXX about an over due balance until XXXX years later through an collections agency threatening to put the amount on 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 2019-03-29
Company: First Federal Credit Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. 
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. 
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or around XX/XX/2021 an attempt was made to communicate with Santander Consumer in regards to a litigation matter that will deemed relief for an account in my name. Santander has been unresponsive which has lead me to submit a complaint through CFPB about this matter. Attached along with this complaint is a letter with further details indicating my eligibility as a consumer in this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was told after 6 months my credit card will be switched over to a regular credit card and the deposit I paid will be mailed back to me well after the 6 months I called and they said its 7 months so it been 7 months and still havent heard anything from discover im very upset with discover

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX PAID MY RENT EVERY MONTH ON TIME AND DO NOT SUPPOSE TO HAVE THIS ON MY CREDIT AT ALL. THE LADY THAT WORK THERE WAS NAME XXXX AND SHE WAS NOT A NICE PERSON AND PUT ALL OF THESE NEGATIVE LATE FEES ON MY ACCOUNT WITH XXXX XXXX XXXX. SO I NEED VALIDATION AND VERIFICATION AND YOU ALL NEED IN INVESTIGATE THIS CAUSE AINT NO WAY I OWE THIS MUCH WHEN I PAID ON TIME EVERY. MONTH. SO GET IN TOUCH WITH THE APARTMENT CAUSE THIS IS NOT FAIR OR I WILL TAKE FURTHUR ACTIONS IF THIS IS NOT RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: M&T BANK CORPORATION
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: Account status incorrect

Complaint:
1st mortage loan paid in full on XX/XX/2016, balance does show XXXX however payment status still shows as Late 120 days. XXXX balance obviously cant currently be late 120 days. Hudson City Savings Bank is the lender that appears on my credit report however they were bought along with the mortgage loan by M & T Bank. M & T Bank is the one that got paid when home sold. M & T for some reason refuses to update payment status to " Paid. ".

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 2018-06-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had no idea how Student Loans work. I took them out though because I needed the money for college, and my college told me it would be the only way I would be able to afford to go. That is on me. I attended the University of XXXX XXXX and graduated in XX/XX/2016. 

Fast forward to when I was graduated. About 5 months after I graduated, I started receiving calls about setting up arrangements to pay back my loans. I was still searching for a permanent job, but was doing odd jobs here and there to make some money. I explained this situation to them and they were very understanding. I offered to make a reduced rate knowing what I could afford. 

This is when things started going south for me. They mentioned a program where I could pay {$0.00} until I got to the point where I could afford the proper amount ( approximately 1 % of the my total loan amount a month ) / I offered to at least begin making small payments but was told that it would do nothing but lower my credit score as they would have to report it as incomplete payments. I was pressured in to the {$0.00} payment plan. 

I told them I would need some time to think about it. They responded with my need to act quickly as this was a short time offer that they do not regularly give out and I could lose it. I was rushed documents to fill out as they told me what to put down. I then entered in to this agreement where I paid {$0.00} for about 18 months until I finally had enough cash flow to provide the full amount a month. 

Having done research and having abetter understanding of how student loans work and money work, I feel that I was taken advantage of and could have at the very least, covered the payments of the interest to prevent an even higher amount being owed now. 

When I did bring it up to them, they just apologized for how I was treated and stated that all they could do is ensure better customer service moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Credit Bureau Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was diagnosed with XXXX XXXX XXXX and was notified that I would be undergoing XXXX. So I notified all my creditors of my situation and all creditors were ok with using my XXXX protection except for Synchrony and XXXX who refused to use my XXXX benefits that I was paying for on my cards in case I would be hospitalized and out of work which I was. Now they sold my accounts to a collection agency who is now attempting to take me to court in XXXX for debts that didnt have to incur or happen because I had insurance and took the right steps as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are 11-12 years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it 8-9 years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded in my XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. They sent the pay off of {$17000.00} to Kia Motor Finance which was applied to my account on XX/XX/XXXX. This payment actually over paid my loan balance which at the time was {$16000.00}. Kia Motor Finance now is holding over {$400.00} of my money as an over payment, and I have yet to receive it back from them. I have contacted Kia literally every day at different times of the day by phone, which I have not been able to reach anyone. Their phone system says no one is available and hangs up on you. I have also sent them messages through their " contact us '' email portal on their website and they have not responded to those email messaged as well. 
I reached out to Kia via XXXX, by posting on their XXXX  page and sending them a message to receive a message back from them saying that they can't help me and to CALL Kia.

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 2019-05-21
Company: Creditors Service Bureau Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received numerous collections letters from Creditors Svc Bureau regarding vet bill for XXXX XXXX, have asked them to remove debt from our credit file it keeps appearing on our credit reports. Called XXXX  on XX/XX/19 asked what specific verification of debt they had produced, was told that i needed

Company response to consumer: Closed with monetary relief