BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
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: Investigation took more than 30 days

Complaint:
Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

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 2021-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The 3 Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX AND XX/XX/2022, I SENT CERTIFIED MAIL TO EXPERIAN. THEY EMAILED ME A NEGATIVE RESPONSE REFUSING TO COMPLY WITH MY DISPUTE AND I HAVE COMMUNICATED I DO NOT ACCEPT COMMUNICATION FROM THEM THROUGH THAT MEDIUM. AS FOR MY SECOND ATTEMPT THEY HAVE YET TO RESPOND TO THAT NOTICE AND HAVE DISREGARDED MY INSTRUCTIONS. THEIR DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.

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 2021-03-07
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complain # 5 against Loancare LLC once again they are adding more XXXX fees/escrow increase or basically whatever they can come up with to charge more. I have not bothered to call because in the 4 complaints prior I get nothing but XXXX XXXX excuses and lies. My mortgage payment is {$750.00} a month that's what I sighed for. After the last complaint they dropped to {$820.00} which we just paid due to frustration. For XXXX its now increased permanently to {$870.00}. For XXXX taxes I went online and paid all of my taxes IN FULL to XXXX county. Loancare refused to stop including taxes for XXXX. THIS MEANS THEY ARE SITTING ON A SURPLUS OF XXXX DOLLARS IN ESCROW THAT WAS OVERPAID. so there is absolutely NO reason why there is any deficiency or why once again our payments increase. They do this every few months they send in a new more incompetent employee to " re-analyze '' our payments. So once again I get to send in another complaint to CFPB and the Attorney Generals office. I'm just curious at what point does the Federal government step in? Any questions? see complaints 1-4. Thanks

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: CURO Intermediate Holdings
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:
While disputing inaccurate information with XXXX XXXX XXXX, XXXX and Ad Astra replaced the previous Speedy Cash account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and Ad Astra reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both Ad Astra nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to Speedy Cash response to CFBP complaint # XXXX where they confirm that Ad Astra closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I dont reconize this inquiry

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 2019-11-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Credit card/ Victoria Secrets credit card They are advertising open a Victoria secrets card and they will give you {$25.00} off your first purchase if you open an use it online. I opened the card XX/XX/2019 they have not fulfilled the offer at all. It states you must have a valid email address an the code will be emailed to you. I have not received the promotion at all, I have called Comenity directly only to be switch to different csr an it ended with call back, I have emailed three times only to receive a form letter response. I have screen shot my approval, the screen shot of the promotion if you will apply an are approved showing the limited time offer. Still nothing, this to me was pretty straight forward bait an switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: GA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: CA
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:
On or around XX/XX/2019 I began corresponding with Equifax. I requested that Equifax send me verification of the alleged original signed consumer contract between myself and the creditor with my signature on it. I have sent three requests and they have failed to produce the contract that I requested. 

I noticed that they are receiving the request and then completing dispute the same day or a few days later, which means they are not making any effort to obtain the information. 

Equifax has stated that they have verified the accounts, but I did not ask them to verify the account. I asked them to provide me a copy of the original signed consumer contract between myself and the creditor. 

Per the FCRA Section 609, the credit reporting agencies are supposed to send me a copy of the original contract that I supposedly signed, which they are supposed to have by law. 

If Equifax can not provide the contract then they are not legally verifying my account. If the account is not legally verified by completing my request for a copy of the original contract then under Federal Law any unverified account must be deleted. They are responding by stating my accounts are verified, but I am disputing their right to report the account.

Equifax is breaking Federal Law and have not provided the contract that I have requested on three different occasions and are not making any effort to do so which is willful and malicious non-compliance. I can provide paperwork to substantiate my claim. 

I have also asked Equifax to investigate fraudulent inquiries on my credit report, but they have responded to state that they do not investigate inquiries, which is inaccurate. They are ignoring my request altogether. 

I will most likely file suit as I have had to do in the past, but I wanted to first explore the option of seeking your assistance first before moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: FL
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:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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 am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I obtained a citizens line of credit for a XXXX security system. The line of credit has an automatic payment option. My debit card was compromised so I made a payment over the phone then on the companys website updated my autopay with new card. I received a phone call from their company saying that I had over due payments. This obviously occurred late fees penalties and a false negative on my credit report. The representative of the company citizens pay state that automatic payments are not automatic and that individual transactions must be authorized each time and automatic payments are not automatic. This is absolutely alarming and to me feel absolutely scammed and mislead into believing something is automatically being drafted when it is not. The citizens pay contacted me today after the bill was over two months behind. They admitted over the phone that yes I did in fact update my information as I stated. Please help with these fraudulent practices and help me resolve the issue I am having. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is filed against both XXXX and Equifax for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both XXXX and Equifax and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers XXXX XXXX 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both XXXX and Equifax can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both XXXX and Equifax and that each compare both reports and investigate all errors. Said errors are : 1. High balance on XXXX shows 0 and Equifax shows 15. Both differ. XXXX. Date of last activity with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX. Date of last payment with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX Credit limit with XXXX  shows XXXX and Equifax XXXX XXXX. Both differ. 5. XXXX shows 3 90 days late and Equifax shows XXXX 90 days late. Both differ. 6. XXXX report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. XXXX. XXXX report shows on 2 year payment history calendar that in XXXX Of 2022 account was 150 days late and Equifax report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau XXXX XXXX report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-07
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
Purchased a used vehicle and financed through Credit Acceptance. In 2016 the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could Credit Acceptance tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

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 2019-09-23
Company: SinglePoint GI
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 a debt was posted to my credit report by GENERAL REVENUE CORP. There was no prior notice of a debt owed. I was not notified by email, mail or phone. There was no attempt by GENERAL REVENUE to validate that the debt was owed by me. I mailed a written letter to the said creditor with signature service requesting legal debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), their claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: PLANET HOME LENDING, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PHL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation