BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: CT
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 a dispute with equifax about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection company did not send a validation letter within 30 days, nor make any contact with me to verify this being my account prior to adding to credit accounts.

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 2022-02-01
Company: CarMax, Inc.
State: IL
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:
I did not AUTHORIZE XXXX to pull my credit report on XX/XX/2021. I did not attempt to purchase a car from this company. I have attached a copy of my police report as I have filed a complaint about my wallet being stolen and my identity being compromised. I have reached out to several companies that has indicated that XXXX contacted them on my behalf to get credit in which I did not authorized. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses that are unknown. Please remove them.

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 2019-11-05
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a new customer of this loan with Specialized Loan Servicing. 
Soon after in XXXX. I received the attached letter stating they had transferred the loan to XXXX XXXX XXXX. I accidentally sent TWO payments : ONE to Specialized Loan Servicing for the correct amount of {$1300.00} and a payment of {$2200.00} to XXXX XXXX XXXX thinking it was my PRIMARY home mortgage company. I immediately called to request a refund on XX/XX/XXXX ... 
The said it would take approx 5-days to receive the refund. 
Called XX/XX/XXXX ... they said 'they were under a deadline to send it between XXXX XXXX Called XX/XX/XXXX, they said 'they were under a deadline, that it had to be sent out by the XXXX. 
Called XXXX XXXX, they said it was 'under review ' should be sent soon Called XXXX XXXX, they said it 'should have been mailed ' ... .not sure if it had Called XXXX XXXX. they said it was sent on the XXXX Called XX/XX/XXXX. finally got a SUPERVISOR named XXXX ( not you ) at : XXXX, said he would give it 'personal attention ' and call me back the next day ... .he never did Called XXXX XXXX, they said I needed to 'sign some release form ... .it was emailed to me, but nothing to sign Called XXXX XXXX, 'told it was under review ' ... .not sure if it had EVER been sent Called today, XX/XX/XXXX ... .a guy named XXXX at extension XXXX, said he would give it 'personal attention and 'expedite it to financial dept manager ' that someone FOR SURE would be contacting me within 3-days Called XXXX XXXXTold I needed to issue a request to stop first check and submit another check Called XX/XX/XXXX-Told check was in 'process ' of being sent again ... couldnt tell me exactly when They refuse to let me talk to a supervisor ... .NO ONE has yet to return my calls ... the ONE supervisor I did talk to in XXXX is no longer with the company. They could not give me ANYONE else. 
I'm concerned that this XXXX XXXX XXXX is possibly a fraudulent company and that I might have been scammed. 

Its been a nightmare ....

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 2023-02-02
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I tried to purchase a house. When I pulled a credit report, I noticed I had a collection from the Credit Bureau of FWB that plummeted my credit. The {$1000.00} collection was from a hospital bill that should have been covered by insurance. 

On Monday, XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX ) in XXXX, Alabama for a XXXX  XXXX. After the co-pay, most of the medical costs for that same day were covered by XXXX XXXX of Alabama. However, there was a third party doctor group ( XXXX XXXX XXXX XXXX ) that did not submit the bill to my insurance, and therefore went into collection. Less than two years later, I contacted the collection agency and XXXX XXXX XXXX Alabama numerous times over several months. There were a couple of times when I would get both the collection agency and XXXX on the phone together. XXXX  of Alabama agreed that the bill should have been covered by my insurance. The issue is that XXXX XXXX XXXX XXXX no longer existed and were not able to re-file the medical bill with XXXX of Alabama. Because the two year window to file the bill on my insurance was closing, XXXX agreed to cover the costs. However, two years later ( XXXX of XXXX ) the costs were never covered by my insurance ( XXXX ). Both XXXX  and the Collection Bureau of FWB both  have phone records of these conversations. Some occurred between them and my mother, XXXX XXXX and between me and them. I have had insurance my entire life without a lapse and find it incredibly discouraging that XXXX XXXX XXXX XXXX is going to cost me {$1000.00} and ruin my credit.

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 2021-10-08
Company: EQUIFAX, INC.
State: WY
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:
Please remove inquire ( S ) below, as I didn't give any companies access to my report ; please block or remove these listed below 1.XXXX XXXX, XXXX XXXX 2.XXXX XXXX, XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 5.XXXX  XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-14
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Closed account for CapitalOne Visa and made payment the same day ( XX/XX/2021 ). Payment has been taken out of my checking account via EFT and also shows up under payments on CapitalOne 's credit card account detail page but they will not credit the payment to my account. They advised there is a system glitch and they can't apply the payment to my account. They are working to try to fix the problem but my account still shows as past due and I will be reported to a credit bureau as delinquent after 30 days past due. We are already at 10 days and they can't fix it and don't know when they will be able to. The problem they say is with customers who cancel their accounts the payments aren't applying to their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
In response to Complaint # XXXX As shown I have acted in good faith in your response, you stated that 'you placed a cease and desist on the account ' which would include the consumer reporting agencies otherwise this would be violating my cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XXXX from the Western Union Executive Business Resolutions has not resolved case XXXX. The Regional Operations Manager 's actions were never clear and did not resolve anything at XXXX XXXX XXXX. I am still banned there ; XXXX XXXX still works there, and I am still angry. This so called " Regional Operational Manager '' that was in charge of this area had done nothing about Mrs. XXXX since there is no proof of anything done to XXXX XXXX XXXX. Until I speak to the Regional Operations Manager about this case, I will never believe anything that is said here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Inquiries on my credit report were not authorized and I do not have accounts with any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRIDENT ASST is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-09-19
Company: EQUIFAX, INC.
State: TX
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 contacted Equifax about errors they have on my credit report. They have refused to fix these errors and this is badly affect my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance 0 ) is reporting on my personal credit file with ( XXXXExperian ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

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 2022-08-11
Company: AMERICAN HONDA FINANCE CORP
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX got a loan for a vehicle with, AMERICAN HONDA FINANCE XXXX. After about 34 weeks or so, should have gotten a 1099a from them. That did not happen. It is a consumers right to also fill out a 1099a for abandoned property, as a lender! Because this corporation borrowed from my XXXX XXXX XXXX using my social security number to do it! They tried intercepting my ability to grab remedy from Treasury and not zeroing out the account # XXXX. So they can continue to embezzle and not reporting those stolen funds as income! I filed it with the US Treasury to pay off my balance using my XXXX XXXX XXXX XXXX, and now their obligated to file a 1099-OID, form to receive the funds from from the U.S. Treasury XXXX Failure to do so will result in a corporate violation of my rights per HJR 192 Of XXXX and 15 USC 1692 A-K. Because their double dipping! This is illegal and unlawful act by their corporation and is a lienable offense in the amount of {>= $1,000,000} in which the U.S. Treasury will be contacted with me to collect on my behalf. Since, their is no answer back or return of my negotiable instrument for my statement for XX/XX/XXXX. In the amount of XXXX! My 1099a was accepted and approved by the Treasury! They never sent me a copy of the 1099a when they claim my abandoned property, for the XXXX HONDA XXXX! Yet, they received one from me priority mail and certified mail! That is because they were already prepaid! Which they did not report these stolen funds as income, This! 099a I filed with have to be added on my taxes as income, at the first of the year! The 1099-A is an informational return. Can't pay them anymore, for something already paid! This is getting paid twice, aka double dipping!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including XXXX XXXX XXXX. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, XXXX, Experian and XXXX XXXX, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.

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 2019-11-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I recently called my bank in order to see if I qualified for a title loan. The reason for my request is that I have recently fallen behind on my child support payments and my license, as a result, had been suspended. The customer service agent conveyed to me that TD Bank doesn't offer this type of loan, however, see did inform me that I might be interested in TD Rewards card. The card would allow me to retire some credit card debt via balance transfer which in turn would free up credit for a cash advance. She told me that the application could be completed over the phone and the entire process would take ten minutes. However, the process would require a hard inquiry on my credit report. This concerned me because I was aware of the adverse consequences such actions have on ones credit score. I specifically remember the sales agent saying that a " decision '', approved or not approved, would be rendered immediately. As much as I didn't want the hard inquiry, I accepted the offer to apply for the card. Indeed the response was immediate, but it did not indicate approval or non approval. The response from the computer was that I would hear from TD Bank via mail within 7-10 business days as to whether I meet the criteria for the card. At no point during the call did the sales agent warn me that there was a remote chance that I would have to wait 7-10 days for a response. Indeed, the immediacy of the decision played a major factor into me agreeing to apply for the card. I asked top speak to a supervisor to voice my displeasure with the process. I told a woman named XXXX that I was told a binary outcome ( yes or no ) would be rendered in 10 minuets ( not 7-10 days ) if I agreed to the application process. I told her that I would like to have the hard inquiry removed from my report or to resubmit the application with an eye towards approval given the circumstances. She told me that the hard inquiry could not be removed but she could resubmit the application. This didn't inspire much confidence in me given that no additional financial underwriting had been offered or performed than that which had already produced and undesired result. So now I'm left with no TD Bank rewards card and a hard inquiry on my credit report. In retrospect, I feel that I would have been better off if the original sales agent had simply said that TD Bank does not offer title loans in New York and if that was the end of the conversation then no harm no foul. However, obviously this was not the case.

Company response to consumer: Closed with explanation