BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I want to know why the amount of interest that is being charged to my account fluctuates if my principal is going down with a fixed interest rate. I have a fixed 5.1 % interest rate and the interest being charged goes up and down seemingly at will with the principal being less than the prior month. My car payment has gone from {$420.00} to {$480.00} with a fixed interest rate. There are no missed or late payments. I called the finance company and they said that my payment has " flipped '' and there was nothing he could do about because that's the way his company works. Also I paid {$500.00} a month for the last 4 months. I want to know why my car payment went up beyond the contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: OneMain Finance Corporation
State: AL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: IN
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
State: AL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-25
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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:
Dear : XXXX, XXXX, and Equifax Date- XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: IL
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:
Dear XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Portfolio Recovery is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I submitted a complaint with CFPB on Equifax. The complaint number was XXXX. I received an email response from CFPB on XX/XX/XXXX that Equifax was still working on my issue. Equifax emailed status updates and the completion of all 6-7 disputes that I submitted. All disputes were closed and completed in 1 day or the same day it was submitted ( see attachments ). The disputes were closed XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX when Equifax representative advised CFPB representative that they were still investigating my disputes. XX/XX/XXXX, I received an email from CFPB that my complaint was closed due to the to the request of Equifax advising that they would respond to me via mail. 

This is my second time I have returned for assistance from CFPB within 2 weeks. Unfortunately, I am unable to get any resolve with my issue with Equifax. They lied to CFPB that they were still investigating my complaint to have it closed. They are very intentional with being unavailable to help or assist consumers. This behavior is unacceptable and not tolerable. 

My credit score has been impacted significantly and created a hardship on my family. There is a bankruptcy listed on my credit report under Public Records that should not be on there at all. There are several payments that ONLY SHOW THE SCHEDULED PAYMENT BUT IS MISSING MONTHLY PAYMENTS AND THE ACTUAL AMOUNTS THAT WERE PAID. I have never missed a payment and pay a lot more than what the minimum is and its not being reported. Both of which effect the credit score. I have a small business. I was denied business loans because of my credit and debt to income ratio, denied two mortgages, job opportunities ( Tax Auditor with Government ), and high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I spoke with representative and told them that they were mistaken. I have paid all my student loans off in full. I keep getting phone calls from Alternative XXXX programs offering me funds to pay off my student loans which I do not have. Latest date was XX/XX/2021 @ XXXX from phone number XXXX XXXX XXXX XXXX requesting me to call XXXX XXXX XXXX XXXX XXXX for more information or to talk to a representative.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-01
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: Account status incorrect

Complaint:
After our review, we found that the best agency to help you with your issue is DEPARTMENT OF EDUCATION. If you would like to submit your complaint with DEPARTMENT OF EDUCATION, contact them directly at or call. 

I was able to contact them, and they did not have the information from the loan servicing company that's on my credit report. Thus the reporting agencies are not able get the information as well. I gave you the only information that able to get due to the company closing.

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 2021-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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:
Wakefield & Associates sent a collection letter dated XX/XX/2021 in regards to an alleged debt. I sent a debt validation letter dated XX/XX/2021 via certified mail which they received on XX/XX/2021 asking for proof of debt validation documentation. FDCPA states that a debt collector MUST respond to a request for debt validation letter within 30 days from receipt of that letter. Wakefield has not responded to my request as of XX/XX/2021 which is well pass the 30 days allowed. Wakefield has reported this fraudulent account to my credit report, all 3 major credit bureau which puts them in violation of FDCPA and also reporting inaccurate information on my credit report which is in violation of my rights as a consumer. I have a right to ask for debt verification, and by LAW they must provide documentation proving the debt is mine, that i owe the debt, that i agreed to pay them the debt, and they have the right to collect the debt owed. If wakefield & Associates can not provide proof by law they can not report this debt to my credit report and must remove it immediately. Wakefield & Associates are in violation and I will be filing complaints against Wakefield & Associates with my state attorney general, the FTC, and disputes with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Pretty simple. I didn't receive the {$300.00} bonus I am owed for opening this checking account and meeting the terms. From what I'm seeing online, this is a fairly widespread way of doing business for this bank. There are a number of people waiting for bonuses they were owed. I am one of those people. The {$300.00} was supposed to arrive within 120 days and it has been longer than that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning in mid XX/XX/XXXX I attempted to contact Rushmore Loan Management Services several times about extending the XX/XX/XXXX option I have on my mortgage. My original mortgage & note from XXXX XXXX XXXX was acquired and the servicing rights went to Rushmore. I have the option to extend that XX/XX/XXXX another 5 years at current rates. 

During XXXX I called Rushmore seven times and no one understood the option I have. Four of my calls were transferred to either their Loss Mitigation team and all of the calls were " dropped '' before anyone picked up. All in I spent well over five hours on calls or on hold with no service being executed. 

During XXXX I made several more attempts. On most of these calls I was unable to speak to anyone that any idea of how to help. On three of the XXXX calls I asked and even demanded at times that I be allowed to speak to a supervisor or someone at the SVP level. On two of the calls I was told by the " off shore '' employees that they had no access to supervisor or upper level management personnel names and if they did they were not permitted to give that information out. 

The later part of XXXX I spoke to an employee who promised me they would pass my information to the department that handled modification extensions and that I would hear back within 72 hours. Nothing!!. No call, no email etc. 

On XX/XX/XXXX I received an Early Notice of Loan Maturity / Early Notice of Balloon Payment Due 180 day letter as required by regulation. The letter instructs to call the Home Retention Department at XXXX for possible option if one can not pay the balloon when due ( XX/XX/XXXX ). I called the number and was told Rushmore does not have a Home Retention Department. I was transferred and again the call was dropped after being on hold for a long time. 
I called back on XX/XX/XXXX and reached XXXX, employee # XXXX. I fully explained for the 15th time why I was calling and what was needed. XXXX promised she would deliver my information to another department and that I would hear back within 72 hours. The 72 hours was up at XXXX EST on XX/XX/XXXX. Again, I have heard nothing. 
At this time I am asking that Rushmore reduce my mortgage obligation to zero within the next 10 business days and send me confirmation that I owe nothing. They have caused undue anguish and severely impacted my ability to conduct proper financial planning.

Additionally, during one of the first calls in XXXX Rushmore referred me to XXXX XXXX to refinance. I thought Id take a look at that option too given the current market yields. XXXX XXXX  personnel never followed up either after the first email I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a XXXX XXXX from a XXXX car lot in XXXX, CA the creditor is GM Financial. The financing department as part of their sales pitch helped me to set up a reoccurring auto payment from my checking account before driving off the lot with my new car. All my payments have been on time and Ive never had an issue until XX/XX/XXXX when I realized that my payment hadnt been processed like normal. When I called GM they told me it was cancelled and that the system cancelled the auto pay based off of a date put in by the salesperson. I was never given anything in writing about my auto pay being cancelled after a certain amount of time nor was I sent any mail, email correspondence and I never received a call or talked to anyone from GM. I called and re-initiated my auto pay with GMs help after finding out I was late due to this error that I should be held responsible for. Ive talked to CS Reps and Supervisors as of XXXX on a XX/XX/XXXX and back in XX/XX/XXXX and no one will help me. They said its my fault I have a negative rating on my credit report. Im in the middle of buying a house and that dropped my score almost 30 points. Ive never had any late accounts on my credit until this happened and it hurt me because Im in the middle of an escrow. I need GM to remove this negative rating and ASAP! Ive been a loyal good paying customer never late and this is how Im treated when it wasnt my fault but the fault of a GM representative. I have contacted the credit bureaus to dispute but havent heard back and GM wont help me either. I need this fixed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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