BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: Conn's, Inc.
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: Account status incorrect

Complaint:
Conns Credit Corp has responded to credit dispute and still left late of 30 and 60 showing XXXX/XX/XX/2017. I filed bankruptcy in 2017 and was never late with Conns Credit Corporation. Please have them delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After turning in my lease early in XXXX of XXXX, Hyundai Motor Finance sent me an invoice stating that I owed {$1700.00}. I was under the impression that the dealership was charging me fees for terminating my lease early ( when in fact they solicited me to turn my lease in and swap for a newer model ). I went to the dealership, as well as called HMF, and after much frustration saw no resolution. Eventually they sent the bill to collections and it appears on my report as " charged off as bad debt ''. I filed a complaint with cfpb and they responded stating that I owed the money for terminating my lease early and have yet to pay the amount owed. As previously stated, I was solicited by the dealership and called on multiple occasions for the opportunity to turn my lease in early. Therefore, I knew that these charges were not valid. I decided to take the issue to small claims court. I was to sue XXXX  XXXX AND Hyundai Motor Finance due to the fact that I was not aware of which party was at fault. Neither party showed up to court on the day of the trial and that was when I set a new date and contacted a lawyer. A lawyer from XXXX XXXX called me, and I had my lawyer call him back. After investigating, it was discovered that XXXX XXXX sent Hyundai Motor Finance a check that was to cover my remaining payment. This check was dated XX/XX/XXXX. This amount was NEVER applied to my account. The actual total that I owed was {$570.00}. For a whole year I was back and forth with the dealership AND HMF and not one person could catch this error or explain what the issue was. I even asked for a new invoice in XX/XX/XXXX, and this amount had still not been applied. So, I have a negative remark on my credit report for an amount of money that I was not responsible for. I need Hyundai Motor Finance to have this negative remark removed from my credit report immediately. I was not responsible for this bill that was sent to me and I looked for help and an explanation, wasted time, energy, and money going to court, and received no help from either the dealership or Hyundai Motor Finance. It was only when I had a lawyer contact them that I saw any progress. This item must be removed as soon as possible, for I am hoping to purchase a residence in the near future. Thank you in advance for your help regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Earnest Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
During the application process, Earnest requires that applicants provide the username and password for their direct deposit bank account. I 'm concerned about the security implications of giving the username and password for my bank account to any business much less a business where I am simply applying for a possible loan. How can they require that information be given?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, Experian 's BOOST PROGRAM is a scam. None of the " boosts '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.

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 2018-09-15
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:
I have been writing to XXXX and Equifax since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX, I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but XXXX and Equifax still refuse to remove the charge from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified consultant is the name ( DCI ) I had them taken off my XXXX   report, but all they did on my XXXX was change the name and date.they were under XXXX XXXX. In XX/XX/XXXX my son stayed at my house and had either XXXX/XXXX iam not sure because they changed there name on my credit file.it was never in my name it was in XXXX cone.after I had it removed it shows back on my credit report as a new connection inXX/XX/XXXX.iam like OMG this is so crazy to be able to do this to someone. Please look into this company because it has to be fraud.thank for any help I've tried for montha

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several late payments from the months of XX/XX/XXXXto XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

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 2019-04-22
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:
there are several account reporting under my credit file, on the equifax credit bureaus agency, these are fraud accounts i did not apply nor given permission to anyone to inquire or apply to these inaccurate accounts and fraud accounts, i have written before and i will write again in order for me to see results for equifax, please i will be attaching my police report and the FTC report which i have provided equifax several times, but they have not been able to help me what so ever, i have applied for XXXX job they i was not hired because of this issue. please i need you r help in order for these inaccuracies and fradua accounts to be removed from my credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My credit report shows that I have an inquiry from Capital One Auto Finance on the date of XX/XX/XXXX in which I never requested. I had just financed a car through Capital One in the month of XXXX and that inquiry shows correct but this one is false. I brought up the issue on XX/XX/XXXX was informed That I would have make a report to get it handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: IN
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 ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Trans union is reporting an incomplete and inaccurate credit report I have asked to all the information on be updated to the most recent or remove all negative.

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 2019-04-22
Company: CNG FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Company attorney claims they have tried to contact me. i have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX   XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, XXXX   parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Automatic Data Processing, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a flexible spending account with ADP. I would put XXXX toward my medical bills each year. In XXXX I had a filling filled and my XXXX gave me a receipt. XXXX did not accept the receipt because it was n't itemized. I then sent the explanation of benefits from my insurance company. I thought that it was set. However it was n't. And I lost the XXXX dollars from the XXXX plus everything that was left on my flexible spending account because they locked my account until I could produce a itemized bill that was not an EOB. This was about XXXX dollars. It stung but I swallowed it. 
In XXXX I planned to have a child so I signed up for XXXX XXXX. This time putting XXXX dollars are the card since I knew my care would be expensive. I also spoke to my drs and was assured that I could get an itemized receipt for services. I tried to use my card and was told the card was still locked pending the receipt for XXXX. I explained that I had forfeited XXXX dollars then and that I could not get a receipt at this point. XXXX then told me it would not matter, as I only have 1 year to submit a receipt. So I asked how do I resolve this and fee my funds. XXXX told me that I could not and that all XXXX dollars would be forfeited at the end of the year. I got my company HR involved but they could not help me either. 
I then called a few class action suit attorneys but did not have the time once my daughter was born to follow through. There may not be much you can do for me, but I hope this does n't happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There was a huge unauthorized electronic ACH transfers {$44000.00} from my checking account on XX/XX/XXXX th. Several of these transfers occurred until XX/XX/XXXX which total amounted to {$72000.00}. My checking account balance went from {$72000.00} to {$400.00} in XXXX days. I had alerted the bank I was going to XXXX on XX/XX/XXXX. I did not get any alerts from chase bank regarding any ach transfers in such big amounts. I checked my acccount XXXX weeks after I came back from XXXX on XX/XX/XXXX. Called the bank immediately to report fraud. Still waiting with no money in my account to even pay my credit card or mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection agency contacted us regarding a credit card debt of {$720.00}. The agency offered a settlement amount of {$500.00} from the original amount of {$720.00}. We agreed to the settlement amount of {$500.00}. We received notice that the agency did take the full {$720.00} from our bank account, not the agreed apon settlement amount of {$500.00}. This is a deceptive debt collection practice. We did contact the collection agency, however, I do not believe they will refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants placed a collection on my account in the amount of XXXX. I disputed this same account with a collection agency by the name of XXXX and XXXX XXXX back in XX/XX/2017. The account was fraudulently opened. 
I called XXXX and informed them that I previously disputed this and now another colleyagency is trying to collect on a bill that I do not owe. I was instructed to contact the collection agency bc they reported they did not assign it to anyone. I sent Diversified a letter and they responded that they matched the account by my name and address. My name is spelled wrong and the address is a PO box number. 

This company is using illegal tactics to attempt to collect on accounts they clearly do not own and can not verify according to the FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: Caliver Beach Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing a complaint because I have received an FHA loan approval on My home. 
The loan approval is not in my name, I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
amount is not mine and have no contract with this company and they not have my signature I have never did any business this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation