BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: ERC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attention Enhanced Recovery Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX  on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CORELOGIC INC
State: RI
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:
Misusing my credit profile without my authorization and would like it removed from 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 2018-08-15
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:
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and Transunion credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} 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 2023-01-26
Company: RMS-Recovery Management Services, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 - XX/XX/2022 ( is still going on to this day ) XXXX XXXX XXXX XXXX XXXX broke my accommodations, made me do an extra XXXX  weeks of work, went against my consent when withdrawing and put it as temporary. I was allowed one accommodation XXXX weeks later which allowed me to get a XXXX-. I can not transfer this in a XXXX XXXX This is ridiculous. Then they tried to resign me up for a course and threaten collections. There was something wrong with the instructions for this course and it affected my educational opportunities. The teacher retaliated and now RMS collects is attempting to collect the bill from me. claim were put out to human rights, civil rights, and professional services. The school is a diploma mill.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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: Account status incorrect

Complaint:
Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.

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 2020-07-10
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: Account status incorrect

Complaint:
Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 SENT MULTIPLE LETTERS TO TRANSUNION AND THEY ARE NOT RESPONDING TO ME. 

I AM A VICTIM OF IDENTITY THEFT. THERE ARE UN-AUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. MY IDENTITY WAS STOLEN AND THESE UN-AUTHORIZED HARD INQURIES ARE NOT MINE.THESE ARE FRAUD. 

MY SOCIAL SECURITY CARD, MY STATE ID, MY UTILITY BILL AND MY FTC REPORT IS ATTACHED. 

PLEASE BLOCK AND REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES : 1 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX 2 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX  3 ) Transunion Fraudulent Inquiries - XXXX XXXX XXXX 4 ) Transunion Fraudulent Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX 5 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) - XXXX XXXX XXXX XXXX 8 ) -XXXX XXXX XXXX XXXX  9 ) - XXXX XXXX XXXX XXXX XXXX XXXX 10 ) - XXXX XXXX XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX XXXX  12 ) - XXXX XXXX XXXX XXXX XXXX  13 ) - XXXX XXXX XXXX XXXX XXXX 14 ) - XXXX XXXX XXXX XXXX XXXX 15 ) - 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 2018-08-15
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
From my understanding, I was loaned out XXXX $ and i was going to be paying the XXXX  $ back plus a bit more for the fiance charges. I am instead paying back XXXX which i don't see why that is fair. I was never told the finance charges were going to be so high. By now it is XX/XX/18 and I have payed XXXX . I pulled out the loan on XX/XX/XXXX. I still have until XX/XX/XXXX to pay. That is way more money than i expected to be paying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: OK
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:
In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX June 2022-October 2022 XXXX XXXX XXXX 2022. XXXX XXXX XXXX XXXX June 2022-October2022 15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As SunTrust finally admitted to using fraudulently false inflated interest rates for months on our mortgage loan collecting higher than appropriate monthly installment payments, instead of sending us apologies and refunding the overcharged amounts, Suntrust recorded false statements dated XX/XX/2020 XXXX attached ) and mailed us an absurd letter ( attached ) of dated XX/XX/2020 showing delinquency on our part. Nothing is further from the truth. 
Attached payment records both from Suntrust and our bank accounts ( where automatic withdrawals took place ) clearly disprove such false statements and records. We would appreciate your help in having Suntrust immediately removing such false records and letters and preventing any such negative false reporting to any entities. 
It is important that Suntrust be reprimanded and held liable to compensate us appropriately to prevent further fraudulent practices by SunTrust ( aka Turist Bank ) with us and any other unsuspecting customers Sincerely,

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 2020-09-10
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had 3 savings accounts with M & T Bank. On XX/XX/2020 I had all the funds of the accounts transferred to another financial institution. The interest earned on the accounts from XX/XX/2020 to XX/XX/2020 and posted on XX/XX/2020 was : Account 1 - {$.00} Account 2 - {$.00} Account 3 - {$.00} Total {$.00} Instead of closing the accounts and sending me a check for XXXX cents, the bank charged me {$45.00} in fees for Account 1 ( {$30.00} ) and Account 2 ( {$15.00} ) - Account 3 was not charged bank fees but remains open with a {$.00} balance. I have written the bank twice - once in early XX/XX/2020 after seeing the {$45.00} of bank charges on the XX/XX/2020 electronic bank statements, and then in XX/XX/2020 after not receiving any response from the Bank in regards to the requests in my XXXX correspondence - specifically asking M & T to rectify the situation by reversing the fees, sending me the accrued interest and closing all the 3 accounts. M & T has not responded to my request ( positive or negative ) but recently sent me month-end XXXX Statements which indicates that M & T has credited Account 1 & Account 2 ( total of  {$44.00} ) for the difference between the inappropriate fees ( total of {$45.00} ) they previously charged my accounts and the interest earned ( {$.00} ) from XX/XX/XXXX to XX/XX/XXXX, resulting in XXXX balances for Account 1 and Account 2.The troubling part is they call the credits " Collection Account Fee, '' which has me very concerned they may be  attempting to inappropriately soil my credit record due to their incompetence. In addition, they continue to ignore my request to close Account 3 with a remaining balance of {$.00}. Since the bank will not communicate directly with me and it appears they do whatever they want to do, I have no choice but to lodge a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief