BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
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 HAVE LOOKED OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME SO THEREFORE I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE ON THE ACCOUNT AND INQUIRIES SO THAT THEY CAN BE REMOVED FROM MY CREDIT FILE IN A TIMELY MANNER.

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 2020-02-07
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt reported to both XXXX  amd XXXX  credit bureaus on XX/XX/2020. I have never had any payday loans because I have good credit. I also do not use checks and havnt used them in years. Also. NEVER heard of these places or recieved ANY correspondence of any such debt. NEVER got ANY notification of any such debt. It is NOT mine. I only have a valid XXXX  drivers license for identification and have only been licensed in the State of XXXX so no other identifi cations from any other states. This is NOT my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have had a loan account since XX/XX/2014 in the amount of {$25000.00} with Santander Consumer USA Holdings Inc. To this day I still owe {$14000.00}. I have made additional payments ( outside of regular payments and they still take interest ). This company is a scam. I need help as I have already given them XXXX on my truck and I am still upside down. You can't get any help when you call them. This is beyond unresonable and I do not know what else to do. I would default on the loan at this time but I am working on my credit and it is very good. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: PR
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 a complaint against timeshare XXXX XXXX. We've worked with several people, Manager is XXXX and Representative XXXX # XXXX XXXX, Lawyer XXXX XXXX XXXX. They told us that we were making a good financial investment. I've never used this timeshare, I had it scheduled for XXXX until I find out they lied by promising me verbally that they're going to help selling the timeshare. They also told me XXXX, was going to put persons under my commission to earn points and benefits which is not proper. When I went they were under construction and it was going to be a mortgage inversion and I could cash out whenever I wanted. They also promised rental income, that market value is going up. They said resale value would go up and due to the place was under construction that I bought in perfect timing. They said I will make money from this if I decide to sell it as the resale value would go up and that they would help me to get out of the process for sure. Regarding maintenance fee, they told us the price wasn't going up, that it could be lower with more owners. They promised us things would be positively different each time things got worse because nothing they promised is in the contract. We were also told that it had some tax benefits similar to owning a second home which they used to coerce me to get this timeshare. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered gifts like a gold member card, 3 days and 4 nights for free, that they will help me get referral points. We were never able to use them because they scammed us. They have our ID and personal information during the process. They did not allow us to read the contract, everything said was verbally, the only thing they showed me the contract was to sign. They never gave me a copy of the contract, they only gave us the purchase agreement. We didn't know how to cancel, we were never properly educated on the cancellation process. They just told us they're going to find the buyers and I don't have anything to be worried about. We tried to call but no help was received, until we realized, it's already too late to cancel. We're having financial difficulties because of this, we're not even having profits from it as they promised. I'm having relation stress with my wife wanted to leave me because of the situation. I'm not able to concentrate in my work with all the lies they told me. I even lose sleep over the stress of the timeshare. We were highly pressured with their sales tactics, worst thing is I don't have physical proof, they didn't even give us a copy of the contract. I felt sure because of the lawyer present during that time but we were simply defrauded, we were lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A written request for validation of debt was sent to LVNV Funding, LLC requesting validation of any legal responsibility owed to them, signed contracts, statements from the original creditor, proof of amounts owed to original creditor. Etc. LVNV Funding and Resurgent Capital Services failed to provide the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-12-07
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:
I recently sent a request to have fraudulent items removed that are reporting only on TransUnion. Transunions response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that

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 2017-09-25
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have advised XXXX that this is not my debt and that someone took utilities out in my name, I was not living in the state at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I experience problems and delays every year when it is time to recertify my income driven repayment of my loan with XXXX XXXX. This year, I submitted my recertification documents on or about XX/XX/19 and as of today, over one month later, I still receiving information that my information is not submitted. If this is not rectified by the end of this month, mu loans of nearly {$200000.00} will go into a standard repayment which I can not afford. I keep calling and speaking with different representatives that acknowledge they can see the information I submitted on their end and the process will be expedited, then I check the website and receive emails showing that my recertification can not be processed because it says they have not received the information which is not true. The processing at my XXXX is horrible. Eveything is delayed, including processing of payments and the annual recertification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.

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 2019-08-10
Company: American Credit Acceptance, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I bought a car in XX/XX/XXXX and was financed by XXXX XXXX. XXXX XXXX   sold the loan to American Credit Acceptance in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. XXXX XXXX never reported selling the loan to American Credit Acceptance to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.

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 2020-11-20
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: Their investigation did not fix an error on your report

Complaint:
chapter XXXX bankruptcy was in my experian and XXXX credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file

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 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I KNOW BANK OF AMERIC AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE BANK OF AMERICA IS SELLING MY INFORMATION TO THE THIEF.

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 2021-06-22
Company: EQUIFAX, INC.
State: TN
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 apply for a car loan. I get 5 hard inquires which decreases my score. I never ever would have gave permission to run so many inquires. i take my credit and score serious. I disputed it, and my claim was denied. But I did not agree to this. No one told me. I feel this is not fair. 

It is on my Equifax and XXXX account. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received my PIN for myreliacard to receive unemployment benefits on XX/XX/2020. 
Ive yet to receive the actual card and its been three months. Ive called the hotline and sat on hold for over two hours countless times. I called department of labor and they said they could not help me I had to contact the card company directly.

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 2021-08-10
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I visited XXXX XXXX, located in XXXX, SC, XX/XX/XXXX for a health condition. I provided the hospital with my social security card ( credit card ) as well as my insurance information provided by XXXX XXXX XXXX XXXX. After leaving the hospital, I was then notified with phone calls, harassments and continuous bills in the mail from XXXX XXXX. After receiving several calls from a representative on behalf of paying a debt with XXXX XXXX, I then began receiving letters filled with threats and profane language in reference to collecting a debt. XXXX XXXXXXXX XXXX has been requesting payments from me and now I have a 3rd party company by the name of Receivables Management Corporation in XXXX XXXX SC harassing me about a bill owed to XXXX XXXX XXXX, which is fraud and illegal. Each letter received by RMC contains debts that does not reflect the amount due by XXXX XXXX. I did not have any engagements nor did I sign any contracts or paperwork with RMC for them to have my telephone number, address and access to my credit report. RMC threatened to have the debt placed on my credit report and as of XX/XX/XXXX, the debt is showing on my credit report and has caused my score to decrease tremendously. I have been violated a numerous amount of times according to the fair credit reporting act and these two companies will be held responsible for such inaccurate information, fraud and unfair practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: MA
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 NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.

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 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I placed an order for a workout machine by a company named XXXX / TD Retail Card Services back in XX/XX/2020. It just so happened that covid-19 hit so shipping of the item was never made. I spoke to customer service at least 30 times with waiting times of an average of 2 hrs per call. Everytime they told me that they did not know where the item was. So I told them that I wanted to cancel the entire order. Months of fighting with this company, they were finally able to locate the device that never made it to my destination.

Months pass and looking at my credit report there was still a balance unpaid of {$490.00}. I again spent countless hours trying to get ahold of multiple departments each pointing the finger at one another without being able to get any resolution. They are stating that the {$490.00} remaining balance is due to a restocking fee. I  fought and spoke to supervisors on the matter that the machine never made it to my house so why would I have to pay for a restocking fee. They are now refusing to take this charge off and its hurting my credit. I refuse to pay this exaggerated fee of an item that i never received and I cancelled. 

I made attempts to make disputes for each of my credit bureaus and because XXXX / TD Card Services are stating that its a valid charge they can not remove it. This is hurting my credit and I am also getting phone calls. Can someone please help me get this resolved? 

Company : TD Retail Card Services / XXXX XXXX I have an account # and other information to help me fights this.

Company response to consumer: Closed with monetary relief