BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXXXXXX XXXX : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank is using military technology on my account to both change the rate of some costs & fees & is also denying my debt card from some companies illegally. I have been complaining about the different problems since 2020 when I started getting overdraft fees for the first time when my account was protected with the previous company & those protections should have been transferred to a similar account under the new company automatically. My bank is also pretending to be hacked, sending me nonsense texts, and allowing others to check the status of my bank account illegally.

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 2021-01-30
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I told them I could not afford the payments they were asking tried to work with them would not allow me too still requesting high payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans are currently in Forbearance and I called Navient XX/XX/17 at XXXX XXXX to get a lower payment agreement made because my forbearance ends this month. I spoke to a pleasant young lady and I told her that I am certainty unable to pay {$1200.00} a month for my student loans. 

I told her how much that I knew for sure that I was able to pay and she told me that that the least I could pay was about {$480.00} a month. I told her that I was unable to pay that amount per month and she told me that I could make a payment of any amount, however if they payment is lower than the required amount then it would still be considered past due. She did offer the forbearance option and I declined. I do not want to prolong paying my student loans Excuse me, how are you telling me what I can and can not pay. I am trying to give this company money for a payment, however it is not enough to their liking. I have Grad school loans and undergraduate school loans with Navient and I am willing to pay a certain amount, just not the {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 explanation
Consumer complaint received 2021-06-04
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a FHA loan through Rocket Mortgage and after providing all information I was put on hold then hung up on then not sent any pre approval. I feel discriminated against as no reason or explanation was provided from the mortgage banker

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX plus giving up my old XXXX XXXX in the amount of XXXX a total of XXXX. The XXXX XXXX were return to XXXX XXXX on XX/XX/XXXX with US Certified Mail Tracking Number XXXX we have made continuous attempts to get the money credited back working with both XXXX XXXX  and XXXX XXXX  and they keep denying the claim, saying they did not receive the XXXX XXXX according to the USPS they were received on XX/XX/XXXX we have the return receipts from them. 
We have file complains with the company NYS Office Of Attorney General File Number XXXX. 
We return the XXXX XXXX due to the fact that we were issues with the XXXX  XXXX from the beginning we went in for several appointments with no resolution. No Warranty card was ever giving to me leaving that led me to the conclusion the XXXX XXXX were old or use. No LACE program access was ever given for me to configure XXXX  XXXX We started writing Emails on XX/XX/XXXX with no resolution and began writing letter to XXXX XXXX to have the problem resolved with it was never resolved Wrote A Letter dated XX/XX/XXXX and that was sent along to XXXX XXXX on XX/XX/XXXX with the XXXX  XXXX XX/XX/XXXX File a claim with New York State Attorney General received response from them XX/XX/XXXX Received Letter from XXXX  attached dated XX/XX/XXXX stating that XXXX XXXX claims non receipt of merchandise Wrote follow up letter on XX/XX/XXXX received response letter from XXXX   XX/XX/XXXX wrote follow up letter XX/XX/XXXX including all information I am attaching

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28
Company: Persolve, LLC - Legal - Series 2
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:
XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX filed first complaint and dispute of misinformation on my report. My report hasn't been updated from two closed accounts that were settled. Also, misinformation is displayed on my account regarding a collector for a collection that was included in my XXXX Bankruptcy filing. 

The responses received only stated that the issues were still being investigated after 60 days has gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: MS
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 have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX  Unverifiable Acct.

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2020, I mailed a cashiers check in the amount of {$1200.00} to Capital One to settle my account. I was told by a Capital One employee that I had to mail this check. Using the P.O. box address given I mailed the cashiers check overnight which should have arrived at Capital One no later than the XXXX of XX/XX/2020. I have tried repeatedly for someone to find out what happened to the check and why my account had not been credited accordingly. I have been patient  for 19 days for a check that I learned was cashed on XX/XX/2020. The dispute team had the audacity to ask why I was rushing this which was very rude and in no way helped to locate the check that was mailed to a Capital One P.O. Box. One supervisor from the dispute team told me that there is no number to call to contact the person that retrieves the mail from that box or the overnight address. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously requested evidence of how you managed the data that you demonstrated in my credit report. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
State: PA
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:
hello I noticed on credit report they sent inquiry that I did not do it was unauthorized

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 2019-02-09
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from west lake finiacal that I never recieved if you read the dates on the loan and call west lake finiacial they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: PA
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:
The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Truck from American Credit Acceptance was repoed, but in there system it says they dont have the truck .Then on my credit it says repoed and a balance of XXXX.If I don't have the vehicle because they took it, then how did they come to a balance of XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Old information reappears or never goes away

Complaint:
Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On or about XX/XX/2018, I contacted Hunt & Henriques regarding a summons that was served at my residence while I was out of state. I spoke to XXXX XXXX who said he was the attorney handling the case. I explained that I was out of state and was not aware of the summons and that the 30 days to respond had passed. XXXX XXXX lead me to believe that he was already in possession of a default judgment but was will to a settlement agreement. Since I am unfamiliar with the legal process I felt I had no choice but to agree. When I received the agreement on or about XX/XX/2018, the letter stated in part " We expect that judgment would be entered in our client 's favor. I called XXXX XXXX 's office to ask why he led me to believe that he already had a default judgment, I also had questions about items in the agreement that we never agreed on, XXXX XXXX has never returned my call, I contacted the court clerk and learned that XXXX XXXX has requested a default judgment, and I would need to speak with the firm requesting the judgment. On XX/XX/2018, a judgment was entered and a lien placed on our home. The law firm of Hunt & Henriques used deception to obtain a judgment against me and caused embarrassment on me and my family sending several letters with their law firm name in bold letters make it obvious that they were attempting to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX year of XXXX i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a XXXX pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased XXXX points back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately! 

An account has been open on my profile from the XXXX XXXX-XXXX, the date that is was open is XX/XX/XXXX. Given that i was not born in that year this account is fraudulent and extremely incorrect. Please have this removed immediately and restore my credit score to a XX/XX/XXXX standing.

Company response to consumer: Closed with explanation