BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has come to my attention though contact with the office of the Attorney General of the State of New Jersey that payday loans and tribal installment loans are illegal in New Jersey because interest rates exceed the 30 % allowed under law. It is criminal usury if a lender charges an interest rate of 30 % or more to an individual .Your interest rate on this loan is is 467.77 %. Because the loan agreement was signed electronically on a computer in New Jersey it is governed by NJ law, Not Tribal. Tribal laws apply to tribal members and people living on the reservation. 
Therefore, the loan contract that I have with you, according to my state 's laws, is illegal and not enforceable. Although I am not required to do so, I have repaid the principal balance of the loan. To date, I have received {$1000.00} and have made 3 payments of {$340.00} for a total of {$1000.00}. This results in an overpayment of {$32.00}. I am a XXXX year old veteran living on social security and a part-time job, I can not make these payments and keep up with the rest of my obligations each month. 
At this time I am requesting a return email acknowledging that my loan has been paid in full and my account has been closed. Also, I would like a refund of the {$32.00} overpayment. A refund check of {$32.00} should be mailed to me at the address you have on file. 
I am revoking ACH authorization, per Federal law, Regulation E Section 205.10 concerning pre-authorized transfers. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.I demand that any contact be made through email only. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: OH
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 have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX-XXXX-XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XX/XX/XXXXXXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
In XXXX XXXX I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
My account was behind and I tried to make a payment plan with a debt consolidation company IN XX/XX/XXXX OR XX/XX/XXXX. XXXX XXXX REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With XXXXl XXXX REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Home Loan Center, Inc.
State: VA
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 filled out an account on XXXX XXXX, they asked me for my last 4 of my social and stated that it would not affect my credit score. That was a lie. I filled out basic information nothing about my social security number on XXXX XXXX website for a debt consolidation/consultation through clearone advantage. 2 minutes later they pulled my credit with absolutely no authorization. I didnt even give them my social ... ... ... ..please correct. Hit my credit for nothing XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-26
Company: EQUIFAX, INC.
State: TX
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:
Equifax is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX Equifax refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is already a debt collection on my Credit Report that is not my account and I have been disputing it with the Credit Bureaus from Westlake Financial Services Inc and the ORIGINAL supposed amount owed was {$10000.00} as of XX/XX/XXXX. I already was not aware of this debt and also the charge off amount and yet as I dispute the only thing that has been happening is the balance has been going up. Not to mention this account was closed way back in XX/XX/XXXX so how can the amount supposedly owed go up on an account that has been closed for over 2 years. On XX/XX/XXXX there was an alert of the amount changing from {$10000.00} up to {$11000.00} a difference of {$510.00} when the account has been closed since XXXX. Then yesterday I received another alert that the amount supposedly owed went up yet again from {$11000.00} to {$11000.00} an added difference of {$330.00} how is this even happening on an account that has been closed for over 2 years with no activity at all? That is a total of {$840.00} it has gone up for no reason at all this just goes to show that even the original amount supposedly owed was incorrect. This company is trying to scam me and is destroying my Credit Report in the process so I am filing this complaint since it does not seem like they are trying to help my situation they are just trying to ruin my Credit even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase.com removed a total of {$100.00} from my bank account ( {$50.00} from checking and {$50.00} from savings ). This was an unauthorized transaction as I did not create an account with them. The reporting a fraudulent charge option on their site does not work and no one responds to requests. 

I have already reported it to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: IN
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX  XXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} 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 2019-10-14
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I intitially placed a security freeze on my credit report through Sage Stream in XXXX. I now am trying to remove the security freeze as I am in the background process for a new career and must remove the freeze for the company to access my credit report. I have called over 20 times, left 5 voicemails between the dates of XXXX nad XXXXXX/XX/. I have faxed in twice my information to remove with the PIN and proper information and no return phone call. The phone directory routes all calls to a voicemail, or to say that all Sage Stream Reps are on another call. I have reached out to the Customer Service Director via XXXX and was told to call Sage Stream and the " team '' would help with my removal. There is no team to do this. This is absolutely illegal, immoral, unprofessional and ridiculous that a credit reporting agency can string out a consumer in this regard. This company has no right, and should be closed down because I know there are thousands others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Experian Information Solutions Inc.
State: MN
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof an original Consumer Contract with my Signature on it. you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 2018-01-10
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by 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 2019-10-14
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I've been " approved '' several times on not only XXXX XXXX but XXXX. Every time I " accept approval '' and complete the application, it is declined. I receive an automated response with all the reasons for the decline decision and every time, I have contacted Opploans as their reasons do NOT apply to me and I have verified, SEVERAL times, that I meet ALL requirements in addition to receiving the offers that I'm already approved. 

This is not fair, as I've been working VERY hard at improving and repairing my credit score from the damage that was done in 2008, and every time I believe I'll be able to get ahead, I am turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This concerns an old XXXX XXXX XXXX XXXX credit card account that was a charge off. XXXX XXXX contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and XXXX. The major credit bureaus are reporting that XXXX is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims XXXX hasnt checked with them at all about the disputed balance. Had XXXX contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( 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 explanation
Consumer complaint received 2019-10-14
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My recently deceased adult daughter who was still on my medical coverage went to the dentist last year ( XXXX ). The dentist office, reported it to my credit instead of hers. Despite never receiving a bill. 

I'd moved to XXXX from XXXX  with a new number and never got a call or letter about an unpaid balance. When I recently moved back to XXXX and applied for a car loan on XX/XX/XXXX, I was denied due to a collection. I called the original creditor listed and was advised that that the bill was from my daughter and explained that she had passed away. The receptionist even stated that I'd never missed a bill and she was shocked. 

Since I intended to return to the dentist now that I was back in XXXX, I paid my daughter 's balance of XXXX {$200.00} on XX/XX/XXXX. I called the collection agency reporting the debt, Carter-Young Inc of XXXX, Georgia on XX/XX/XXXX and reported that I'd made the payment directly to the dentist and that the bill was not mine in the first place and should not have been reported on my credit bureau. 

I waited a week, until XX/XX/XXXX to call the dentist office back and asked about it not being removed from my credit bureau reports. On, XX/XX/XXXX I got alerts from each of the credit bureau monitoring programs I'd signed up for after the denial, that the account had been updated as unpaid. 

I called the dentist office on XX/XX/XXXX and she confirmed that the doctor had indeed gotten a response back from the collection agency that it was removed. I called the collection agency back and again I told them that this debt was never validated with me as the patient instead of my daughter, I didn't accompany her nor sign any documentation for that visit. I advised that it should not have been reported and was told it " should have because I should have paid it ''. I advised that I'd be filing a complaint and was told that the account was reported on XX/XX/XXXX to the credit bureaus, that they received confirmation from the dentist office on XX/XX/XXXX that it had been paid and not my account. I then asked, so why report it on the XX/XX/XXXX as not paid? 

They've had the receipt information and still reported an invalid debt on my credit report after notification from myself and the original debtor. I was told if I report it or dispute it that it would take longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: OH
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 have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-01-15
Company: Experian Information Solutions Inc.
State: IN
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 received an alert that my credit report had changed in XXXX. I found that XXXX XXXX XXXX reported a delinquent account with Experian. I contacted XXXX XXXX  XXXX and they agreed that I had never ever had an account with them. I then reported this to Experian and disputed the account and charge. Two days ago I received the report of their investigation and it said that nothing changed due to the company reporting things correctly. This is totally false and I 'm not sure they even talked to anyone from XXXX XXXX XXXXXXXX because I have talked to three people and none of them were able to find an account with my name and numbers on 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 2021-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed a vehicle from Credit Acceptance a few years ago. In XXXX of 2021 I traded the vehicle in. The dealership sent the check out and it was cashed. From XXXX til XXXX I kept receiving calls from Credit acceptance say that my account was passed due. And each time they told me they hadn't received a check or payment. I called the dealership provided Credit acceptance with the check date and number and they could not find it in the system. Finally someone asked if I would give them permission to speak the dealership that I went to about my account to which I agreed. Credit Acceptance spoke to the dealership in late XXXX and the dealership faxed them all the proof that the check was sent and cashed. As it turned out the check had been stolen. Since the check was in fact sent and they now had all the evidence and a replacement check Credit Acceptance agreed to close out the account and fix and errors on my credit. They closed out the account XX/XX/2021 but never corrected the errors.I have called many times since and I still haven't received the dispute paperwork they said they would send out. I filed a dispute with the credit bureau but, Credit acceptance said all the information was accurate so I have these things stuck on my credit saying I was past due even tho they agreed to fix 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