BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: VA
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 trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a Secured Credit card with Discover Card with a {$1000.00} security deposit on approximately XX/XX/XXXX On approximately XX/XX/XXXX, I called Discover to close my Secured Credit Card Account and requested the return of my security deposit. I was read the disclosures for account closure which I accepted. Then I discarded my card as I believed the account was closed. 

On XX/XX/XXXX, I received an email and text notification of possible fraud detection on the account and to contact customer support. Speaking with the agent, I was informed my account was not closed by the previous Supervisor I spoke with and there have been charges on the account. I opened a fraud investigation and then my account was finally closed. 

I am now in the process of waiting to receive the security deposit refund which the terms of the Cardmember Agreement state, You should receive your deposit refund within two billing cycles plus 10 days. 

Since I closed the account on approximately XX/XX/XXXX, the billing cycle closes XX/XX/XXXX and the next would be XX/XX/XXXX. In theory, I should have received the refund on or around the 1st week of XXXX. Discover is now stating that since their system shows the account is closed in XXXX, the earliest I will receive the refund is XXXX. 

I simply want to hold Discover to their own Cardmember Agreement. I find it unfair that they can pick whichever date they want despite the fact I closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a few late pays in XX/XX/XXXX and incurred late fees, but brought my loan current in XX/XX/XXXX. I have paid on time every month since XX/XX/XXXX, but XXXX XXXX posted my monthly payment incorrectly back in XX/XX/XXXX and still haven't corrected the problem even though I have spoken with them at least six or seven times and was assured that the money would be reallocated and posted correctly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They harass me at least five times a day - saying it is important that I return the call. Every time I call or answer their call, they assure me that the problem will be corrected. It hasn't been and I'm tired of wasting my time talking to them. When I answer their call, they state " do you realize you are XX days late on your payment? '' I ask them to look at the notes from the previous caller and then they apologize and state they will put another request in to reallocate my funds to my payment. I ask them to make sure to remove any late charges that they have been charging me, and the caller states " once the funds are reallocated, they can remove the late charges. '' Neither has been corrected. I want this to be resolved and the calls to stop, PLEASE!

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 2018-03-31
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont know this company. I have never done business with this company. I don't have credit with this company. I don't have a signed contract with this company. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Diversified is required by federal law to verify - through the physical verification of the original SIGNED CONSUMER CONTRACT - any and all accounts they attempt to post on a credit report.

In addition, I have NEVER asked this company to mail me identity theft information.

I dont want this company calling me or mailing me with harassing fraudulent communications.

My next course of action will be to file legal action in my county in the amount of {$10000.00} for damages. Along with other entities who violate Section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the Equifax data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, NISSAN MOTOR ACCEPTANC add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$1000.00} deposit at BBVA Compass ATM XXXX, XXXX, Texas, XX/XX/18, at XXXX. Compass debited my account with a {$630.00} auto draft, that is not processed until the XXXX of each month, prior to crediting me with the deposit, which was made first. This resulted in 4 overdraft charges. I spoke with XXXX ( sp ), Compass Bank, on XX/XX/XXXX, but she only agreed to refund 3 of the charges ( stated it was a busy holiday ), which then resulted in another overdraft charge. I spoke with XXXX and then XXXX, both with Compass Bank, on XX/XX/XXXX, requesting that the remaining 2 charges be credited and refunded back to me, but neither agreed. They stated they only could see my deposit was made on XX/XX/XXXX, even though I told them I had my deposit slip reflecting it was made on XX/XX/XXXX, prior to the {$630.00} debit, and then the domino effect. 
I know that BBVA Compass has been penalized previously for these actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I signed up for an account with Equifax. The scores they have for themselves,  XXXX  and  XXXX  are all incorrect and do n't match any other FICO score for me. I called Equifax and they refused to help me over the phone, saying that they could not give me a score over the telephone. I am trying to buy a house and the mortgage company I am using uses Equifax exclusively so I have been rejected for a mortgage. As well, I paid down a lot of debt and as a result, Equifax dropped my credit score by  XXXX  points.
Incorrect information plus no customer service. As well, their website is almost always down for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR 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 XXXX XXXX, XXXX XXXX, OH XXXX XXXX TXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR 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 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America reordered transactions so my paycheck deposit came after two debits and cost me {$70.00} in overdraft fees. The debits were not on my account the day before and then at XXXX appeared on my account along with the paycheck deposit.

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 2018-12-04
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:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT A scam of a Fraud agency by the name of XXXX XXXX has been posted their frivolous information on my report from Transunion credit bureau, I have sent prior complaints to Transunion, I haven't got any positive response. I never had any contracts made with this XXXX  XXXX scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam Transunion with a Federal Lawsuit and huge Punitive charges and damages to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SYNCHRONY FINANCIAL
State: CO
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:
I have always paid my bill on time with this credit company but sometimes its a day late or so but never 30 days late. I have a specialty card that i never use so i rely on getting notified of my bill when i have a payment since i go months without using it. I know that i paid every bill that i ever got. I never got a bill or a phone call. i recently tried to get a home loan and i noticed that they have a late payments reporting on my credit report from years ago and it is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. 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 non-monetary relief
Consumer complaint received 2020-11-30
Company: CORELOGIC 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, XXXX  and Experian have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.

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 2020-05-29
Company: Direct Recovery Services, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had an account with XXXX I paid this account off. I have called and they said I dont owe anything. Now Direct Recovery Services is calling saying I owe them money. They bout my debt. I dont have any. 


They are very rude and saying they are going to take me to court and sue me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Checked credit report after being diagnosed as XXXX and forced to retire. Saw on TransUnion, that XXXX was reporting my student loans as adverse and unpaid. When I became XXXX in XXXX of 2018, I contacted XXXX for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify XXXX, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But XXXX is reporting my loan with TransUnion as adverse and closed for non-payment. I filed a dispute with TransUnion online, which they say never happened, I have a TransUnion File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now XXXX and TransUnion work together to trash my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: MIDFIRST BANK
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 information incorrect

Complaint:
XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to midland mortgage. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to Midland Mortgage. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.

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 2020-11-30
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted HP SEARS requesting debt validation. They sent over only a bill with late fees and charges that say retail product unknown and different fee amounts. They also violated hippa which a complaint was already filed. Im requesting this to be removed from my credit due to company not being able to provide actual proof these procedures were done to me and can only sent a breakdown with nothing showing services actually completed. Thank you so much!

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 2019-03-09
Company: ECMC GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We are trying to refinance these loans at a lower interest rate with another institution and XXXX/ECMC have failed to supply us with the proper pay-off documentation. In addition they have incorrectly categorized the loans as in default due to bankruptcy. These loans are not part of any Bankruptcy Plan and should not be categorized as such. In addition several attempts to correct both this error and a pay-off document have been met with failure on their part to make any effort to correct.

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 2021-02-24
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is to inform you that the following information in my credit file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Acima Credit XXXX XXXX lease Charge-off XX/XX/2018 {$730.00} XXXX company removed from report and reported again on XXXX. No further information reported at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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 information incorrect

Complaint:
I was only an authorized user on this XXXX  account. I demand this account be fully removed from my credit reports as I was never liable for it.

Company response to consumer: Closed with explanation