BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via XXXX XXXX. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues XXXX XXXX repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because XXXX XXXX is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to XXXX XXXX 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by XXXX XXXX. 

While this issue was going on with the insurance company at the time I also communicated with XXXX XXXX once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then XXXX XXXX should be responsible enough to understand and remove this fraudulent debt from my credit report. XXXX XXXX received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies XXXX XXXX presumes to fabricate. XXXX XXXX received a payment. End of debt that is originally not a debt. 

XXXX XXXX will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the first date, I have always included a partial pre-payment of my principle. When the COVID-19 Pandemic shut down XXXX Florida, I called Select Portfolio Servicing and asked them two questions ; 1 )  would they lower the variable interest rate, which they increased last year, 2 ) what options do I have if I have a problem making the payments Today, I received my statement. The pre-payment of {$270.00} was unapplied, even though the mortgage coupon was clearly marked for partial pre-payment. Rather than following their customer 's wishes, they continue to charge interest charges for the {$270.00} ( and future ) pre-payments. 
At XXXX XXXX, I called, I was informed that I was enrolled in their " forbearance '' program and they told me that I could not withdraw from it. This is Forced Compliance of a Condition that was never agreed to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: TRUIST FINANCIAL CORPORATION
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 disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

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 2021-04-28
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:
not mine : FCRA violations : XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i made a purchase through XXXXXXXX for an item the website turned out to be a big fraud the person sent out two tracking numbers 1 from XXXX and another one that was sent to my area but not to my address with XXXX as long as the item shows its in your area then they will automatically deny your case. 

First tracking number XXXX Second Tracking number XXXX XXXX purchased an item from XXXX XXXX  but the website is a scam they never delivered my item and they give two tracking numbers. 
i purchased an XXXX but right after i purchased i instantly found out this website was a complete scam seen articles on XXXX and on the XXXX   website on a lot of people getting scammed by this company purchase amount {$99.00} order date XX/XX/20 Transaction ID XXXX This scammer provided two tracking number 1 from XXXX that was sent to his actual location in XXXX, AL and another tracking after you open a dispute on XXXX from XXXX that he sent to my area but not to my actual address on purpose because everybody know with XXXX as long as the tracking shows your location they will automatically decline your case and XXXX will not send proof of delivery to your email since its not your package. 

then did a dispute with bank chime and they also denied my case without doing a proper investigation and they also denied my appeal with proof of XXXX also stating finally that it was delivered to a different address and a different person name on the package

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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:
I am a victim of identity theft

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
They closed my account for fraud activity, when I called to let them know that I had not made those charges, now they are saying that I owe them a balance on the closed account if {$730.00}. The whole reason why they closed my account was because of the fraudulent activity so why would I pay the balance due because of it. It does not belong to me, they removed it from my credit report and then brought it back after a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MO
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, XXXX XXXX XXXX XXXX XXXX, administrator and holder in due course for surname given XXXX XXXX XXXX XXXX have contacted EQUIFAX about the removal of following accounts and inquiries that is reporting on XXXX XXXX XXXX XXXX consumer credit report. Pursuant to 15 USC 1681 XXXX a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is in direct violation of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive been with Nicholas Financial for almost two years. Our relationship started off Rocky soon as I purchased A XXXX  XXXX XXXX  my car begin to have MAJOR transmission problems I had to pay money out my pocket multiple times to get my car back and running and I was also missing work because of this situation. It was times the car wouldnt go in reverse and I was stuck out of town for HOURS. I got stuck on the highway, this car was very dangerous to drive. I became late on my car loan because Im not financially able to spend that much money on fixing a car that I just bought and still have to pay rent and utilities. So I became late almost every month because I was too busy trying to catch up on rent and utilities. I believe if I was never sold a lemon I would have been able to afford having my car paid on time every month. I need Nicholas to help and change my late payments to positive it would really help with all thats going on in the world right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries 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 2020-05-27
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife and I have made attempts to contact the lender, First Investors Servicing Corporation, and when we have called, we have been left on hold for nearly 45 minutes and hung up on. We have also responded via email as we understood they may be bogged down from common concerns regarding Covid-19. The following is recorded from my telephone call log and the result of the incoming call from the lender First Investors. 

XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX answered phone call and spoke to gentleman and stated that we would be contacting the lender back. Gentleman acknowledged. 
XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( Voicemail left ) XX/XX/2020 - XXXX ( Voicemail left XXXX XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - My wife contacted First Investors only to wait an extended period of time and get hung up on. 

XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XXXX Email sent from my wife to First Investors that yielded no response.

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 2021-02-24
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft, I REPORTED THIS IN 2016 and several of the items on my credit report is not mine. I have also notice that one items have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX ( ACCOUNT WAS CHARGED OFF AND NOW HAVE BEEN ILLEGALY RE-AGED ), XX/XX/XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XX/XX/XXXX # XXXX, XXXX. XX/XX/XXXX XXXX # XXXX,XX/XX/XXXX # XXXX, XXXX XXXXXX/XX/XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX submitted an update to remove the negative reporting for XXXX and XXXX from my credit report with Experian. This isnt showing with the other credit bureaus. Its still hasnt been changed. I also submitted letters from XXXX XXXX through an online investigation 3 times but my report is coming back that no change has been made. This is impacting me getting finance for an home equity loan. I have called once a week over the last three weeks and they stated that have not received my documentation that I uploaded online. I have an consumer account with Experian.

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 2019-08-29
Company: Experian Information Solutions 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:
There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )

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 2020-11-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or about XX/XX/2020 I submitted vis my US Bank Relia card a Bill Pay in the amount of {$2000.00} ( XXXX XXXX dollars ). This payment was NOT received by payee. I did a phone inquiry to US Bank on or about XX/XX/2020 was told to wait 5-7 days and it would be back in my account. As of today it has not been returned. I called US Bank again spoke with XXXX who said he would tell his supervisor and it would be handled. He stated that he didn't see reference to my prior call. I am filing written complaint as their customer service lacks credibility an I don't think it will be handled. 

Also another concern, Thank God I didn't ( back when I received funds ) need to use them right away so there was over XXXX ( XXXX XXXX ) in my account when I received a NON Fraud overpayment notice ... .I needed to return XXXX & XXXX to department of labor & PAU ... .I thought I could just send bill pay to these agencies. However, after inquiring at US Bank..I was told NO ... .I had to withdraw maximum of XXXX daily and pay fees!!! until I get the needed funds ... they also have a cap on transfers and bill pay ... .If this is MY money ... how by law can I not withdraw and repay Govt??????? Thank You

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
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!

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 2020-01-30
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: Account status incorrect

Complaint:
Equifax has listed on my credit a negative report of the sum of {$410.00} being owed. When I first got into a subsidized apartment I got copies of my credit reports from Equifax and XXXX. This amount was listed as being owed to XXXX XXXX XXXX. This bill was paid to them by personal check # XXXX, written XX/XX/2016 to XXXX XXXX XXXX. This amount has since shown up on my Equifax credit report as being owed to a different collection company and they have not checked and removed this negative, false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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