BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623. Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.

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: General Motors Financial Company, 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: Information is missing that should be on the report

Complaint:
I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with gm financial XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. Gm financial approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. Gm has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XX/XX/XXXX still no answer. BK discharged XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: DISCOVER BANK
State: FL
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:
I asked for Discover to dispute a charge of {$1200.00}. Discover said the merchant didn't send any documents to support the charge and Discover said I needed to pay anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection request from a Aldous & Associates for a debt of XXXX dollars off a XXXX 's XXXX  membership that I cancelled in XXXX of this year. I have called them several times to speak to them in person, but only have talked to a automated voice machine. 

They did leave the option for me to leave my number but after a quick XXXX search resulting of claims of constant harassment, decided not to leave my number. 

I will once I figure out a way to not be innated by robo calls, maybe though an online proxy phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Collections Acquisition Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered that XXXX XXXXPayliance is  reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or  legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to 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 2021-11-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$690.00} XXXX  XXXX {$860.00} XXXX {$22000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid my XXXX XXXX Bill. XXXX has XXXX Balance in their system. Months later a Company name Amsher Collection Service added a {$140.00} collection amount in to my credit. 
Their phone system is set up to not receive phone calls. 
They illegally add an amount that does not exist. 
I think They called me lying under the name of XXXX to get paid. 
My credit drop 54 point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX  keeps calling me repeatedly from a restricted number and I have no way to call the number back which is an illegal collection practice. They must call you from a number that you can call back. Also there was {$2000.00} payment applied to my account and they did not give me credit for that {$2000.00} payment which was made because of a illegal contract that was made through a 3rd party. XXXX XXXX and XXXX  XXXX XXXX are corrupt. 

Mind you they spoke with my daughter because she is a collector and answered the phone knew they couldn't call from a restricted line. Did not verify any identifying information to confirm who they were talking to. Anyone could have said they were me they disclosed it was a debt and also disclosed it was about to charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I joined XXXX just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that XXXX is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I sent communication to XXXXXXXX XXXX XXXXXXXX requesting federal tax form 1099 OID to cover the eligible issues ( product of statues ) for vehicle financing XXXX XXXX XXXX vin # XXXX. the company has not responded as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Personal information incorrect

Complaint:
It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.

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 2018-03-29
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I dispute roughly {$2000.00} in charges added to the payoff. These were for foreclosure procedures entirely the result of the loan servicer 's failure to provide regular statements during the entire term of the loan and it's inability of the company 's call centers to explain the charges. 

A compromise offer was made and repeated in a previous CFPB complaint. The companies response implied the matter could be discussed by calling a phone number included in the response. That number reached the same call center whose personnel are unauthorized and unqualified to negotiate. 

The company 's response avoided the issue of the settlement offers. Instead, it used the response as a ruse to close the complaint and move swiftly within days to foreclose without notice received. Surely this kind of extortion must be illegal. 

Throughout the dispute I have been misinformed as to who owns the lien and who I might reach for oversight to correct the malfeasance of the loan servicer and its foreclosure agent. 

This is a new complaint against actions the company took immediately after its misleading response to a previous complaint, as well as its failure to address the central issue or to defend the malfeasance that led to the charges in dispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
someone used my personal information to get medical treatment that i did not authorize.i have filed a report i have tried to dispute these 2 accounts and nothing gets resolved.

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 2017-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in 2016 I had a lapse in car insurance, so Wells Fargo Auto Finance charged me a fee for implementing insurance on the vehicle. Because I was never contacted about the charge going in to effect, and the charge did not show up on their website, I kept making regular payments, not knowing that I was racking up huge charges for months of insurance that I did n't know that I had. 

At some point, I finally got past due notices threatening to repossess my car if I did n't contact them. I contacted them, and the representative said that it was an error, and it had been fixed. I made another regular payment minus the insurance amount. A month later I got another notice that my car could be repossessed if I did n't make payment. At this point the charges were over {$500.00} due immediately or risk repossession. 

I got the money together and made the huge payment. Fortunately I saved my car from being repossessed, but my credit was heavily damaged as part of the whole situation. 

I think this was done unlawfully.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX  XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX still no answer. BK discharged XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: SYNCHRONY FINANCIAL
State: CT
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:
says that I am late on the dates below though I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this XXXX XX/XX/XXXX-XX/XX/2020

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 2021-09-06
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
HSBC is holding my money and keeping my account open against my wishes. On XX/XX/2020 I wrote to HSBC requesting they close my account and send me the remaining balance. That letter is attached for your reference. HSBC ignored my written request. I can not withdraw the remaining funds via ATM because the balance is less than {$20.00}, and HSBC 's ATM only dispenses cash in multiples of {$20.00}. I can not go into a branch for pandemic-related reasons. I really need that cash, and am tired of HSBC 's intentional delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NM
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX  XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX   still no answer. BK discharged XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Bread Financial Holdings, Inc.
State: CT
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief