BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: AL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Leaders Financial Company
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
THE COMPANYS RESPONSE DID NOT ADDRESS ALL OF MY ISSUES!!! 

The late fees and my balance is still incorrect. Leaders Opened my car loan on XXXX XXXX for $ XXXX.and I had a {$5000.00} down payment as well. That loan amount of {$10000.00} is also listed on my credit report. I have made my payments of {$390.00} as per my contract on time for 27 payments. My credit report states this information of on time payments. Therefore my loan balance should be paid. The 27 payments total is@XXXX. Please Advise, Please forward this information to the company as well... 

loan company : Leaders Finance company XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX : XXXX Experian : XXXX   Chapter XXXX Bankruptcy Dismissed XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX   XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : 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 2020-04-30
Company: Experian Information Solutions Inc.
State: MO
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of  my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine  and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 company is reporting fraudulent information on 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 2019-06-24
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received {$1100.00} reimbursement check from XXXX XXXX XXXX sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the XXXX XXXX XXXX, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: MO
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:
There's 3 unknown addresses on my credit file inwhich are not mine. Please send my attached id for my correct and only address.

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 2019-06-24
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a debt collection from XXXX and I called XXXX and spoke with XXXX about making payment arrangements on my account and she said my debt was sold to Crown Asset at XXXX I called and spoke with XXXX and he said that he could not take my payments and payment arrangements would have to be done through XXXX XXXX  at XXXX. I called XXXX XXXX and spoke with XXXX and he stated that he could not take any payments because I was currently XXXX XXXX Military and the account had been transferred back to Crown Asset management. So I called Crown Asset back and spoke with XXXX XXXX and told her that I was currently in training and this was my only day that I had to make payment arrangements on my outstanding debts and I needed to pay on this account. XXXX said that the account was not with Crown Asset and that she couldn't take a payment anyway because all their payments would have to be made through XXXX XXXX. I called XXXX XXXX back and spoke with XXXX again and told him what XXXX said at Crown Asset and that it was imperative I make a payment today to start paying back this debt. XXXX stated that there was no way he could take payments on my account because it was annotated that I am currently XXXX XXXX military and because of that they have to transfer the accounts back to Crown asset and they no longer have it. Crown Asset or XXXX XXXX could not take my payments even though I attempted several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am currently trying to refinance my original mortgage with a new company and being approved the company has tried to get my payoff amount from the original mortgage company. The original mortgage was a HAMP. When I received the payoff, it went from {$100000.00} to {$120000.00} of which {$20000.00} was charged for " shared modification appreciation ''. I was not told at the time of the payoff request that they would take into consideration any improvements done to the property and reduce the " shared modification appreciation '' amount. I spoke with the company and was told if I sent all the documentation showing expenses incurred for improvement on the property, they would take this into consideration and reduce the amount of the appreciation. I sent everything in on XX/XX/XXXX and have been waiting to hear from them ever since. In the meantime, I had to postpone my closing with the new mortgage company since this is an important piece of information needed. I have been calling the original mortgage company at least 2-3 times per week requesting the new payoff amount and as of today I still do not have it. I am getting the runaround and need help to resolve this. 

The original mortgage company is XXXXPHH Mortgage Services XXXX XXXX  XXXXXXXX XXXX  XXXX, N.J. XXXX Contact person is Mr. XXXX - phone # XXXX - Option # XXXX - Extension XXXX Attention : Escalation Department General phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please note I'm redoing this complaint, called to canceled the orginal one # XXXX because I didn't have proper documents attached. 
I recieved a call from a medical debt collector asking for me to make an immediate payment of {$310.00} over the phone. I suspected this to be a scam and asked if they would mail me documentation and if it truly was mine then I'd make payment. The woman told me I would not get anything by mail and demanded payment. I continued to question the legitimacy and she hung up on me. I still to date have not received anything by mail or proof of this medical bill belonging to me. This phone conversation took place on XX/XX/20 at XXXX. If this is a real collector that call should have been recorded & this information can be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AMERICAN EXPRESS COMPANY
State: RI
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 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 explanation
Consumer complaint received 2018-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not 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 non-monetary relief
Consumer complaint received 2018-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
for the last 3 months, Portfolio Recovery has been calling my place of work harassing me and not willing to remove my work number, my employer has found out and is taking action against me for having non-work related phone calls at work. Personal phone calls are not allowed. I never gave the collector or anyone my work number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/2020 Documents were sent to the credit reporting agency. Regarding accounts that were not mine.

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 2018-04-26
Company: Federal Pacific Credit Company, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Federal Pacific Credit Company to validate the debt they said I owe as I do not have a contract with them I also asked for the following as well : A copy of purchase agreement between XXXX XXXX and Federal Pacific Credit company. With XXXX XXXX giving all rights to this debt including the right to receive payment and charge interest to Federal Pacific Credit Company. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

On XX/XX/2017 I was sent a response of a retail installment sales contract with a dealership and not the original creditor they say I owe to validate this debt and along with a letter from them addressed as a lawyer with a payoff agreement. My complaint with Federal Pacific Credit company is as follows : - They have not provided me with any of the above information requested - They have put new collection balances on my credit report every month, as if I am somehow in a monthly agreement with them. 
- They are not licensed or permitted in my state allowing them to collect finance charges as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection on my credit that was fraudlently opened. I have attached a copy of my police report. This is affecting my ability to obtain a mortgage on the new home I am having built for my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CarMax, Inc.
State: IL
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:
CarMax is still reporting on my credit that my balance is past due. They sold the car on XX/XX/XXXX but reported me past due on the XXXX of XXXX. They are retaliating against me using my credit score it's hard enough for XXXX people to get things and then a corporation can just lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This involving PNC Bank. I called the Customer Service Line to dispute an unauthorized charge that came out of my account for {$320.00} on XX/XX/XXXX. I was informed that the matter would be settled in 10 days. As time went on I noticed the charges never got reversed so I called the PNC Customer Service Center to find out my Dispute was not submitted correctly and I had to drive to the nearest bank to submit an Affidavit. 

I did drive to the bank and faxed the Affidavit and still haven't got this matter resolved from this bank. Because of the mistake PNC made to my account I'm sitting here broke with NO MONEY! I didn't hardly have gas money to drive to the bank to submit an Affidavit.

A bank is allowing a customer to suffer because of a mistake THEY made! I had to hold off on my bills. I'm about to lose whatever little health insurance I had. More stuff is coming out of my account and more charges will be added. 

PNC has ruined me financially by not handling my dispute properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraudulent accounts reporting on my credit profile

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 2022-08-12
Company: EQUIFAX, INC.
State: NV
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report.

Company response to consumer: Closed with non-monetary relief